Jeff McMullen has been in the mortgage industry for fifteen years, with a strong background in bank management. His extensive professional experience along with his drive and attention to detail make him a valuable asset to Kal Financial.

Jeff has been living and working in the Monterey/Carmel/Seaside/Hollister areas for many years, giving him a unique perspective on this very diverse market. A self-described "workaholic," Jeff is extremely attentive to all of his customers' needs, always providing prompt call backs and detailed service during every step of the transaction. His sense of humor and caring nature make him a joy to work with.

He has been the recipient of multiple awards in the industry, including the Chairmen's Club, President's Club, Production Club, Leader's Circle and a "Best of Best" winner. He is a family man with three sons and two daughters, and loves to go camping, hiking, and play baseball with his children. He is involved in the Boy Scouts and his community.

In his more than 18 years as a loan officer on the Monterey Peninsula, Chad Hawker understands the local real estate and lending environment and has funded over $1.6 billion in loan volume. He has garnered widespread industry accolades for his performance and elite customer service, including the prestigious Golden Pine Cone Award in 2014 for the Carmel Lender of the Year.

As a prior professional Ironman triathlete and winner of 15 international events, Chad learned the importance of preparation, commitment, and perseverance early on. He brings this experience to every transaction, making certain that all parties leave the closing table satisfied and comfortable with the knowledge that they received the best loan possible for their current and future financial goals.