Rob Pavley – Kal Financial

The Worst Experiences

Double talking, dirty dealing guy, who will cheat you in every way. The worst experience we have ever had with a mortgage broker.

He waited until the 12th hour to produce closing disclosures for the express purpose of extorting more funds to pay to him and American Financial Network.

He calls and sends texts late at night. Hides until your forced into his highly unethical terms for the loan including raising the interest rate on a locked rate without notice or consent, prior to the scheduled close date it was to be valid through, and then claiming he did send emails about it , a total lie as is everything that comes out of this deceptive manipulator.

When asked to produce the so called ” numerous emails he allegedly sent, he never does. They don’t exist.

He explains nothing, is not knowledgeable about the loan process, does not produce required documents until The last possible minute and then declared nothing can be changed without a huge financial hit to the borrower in addition to the huge hit he and his unskilled, ineffective, highly unorganized co workers have already imposed.

Unskilled, uneducated, no morals, that is him. We could not concur more with the other borrower who said the very same thing.

He is the lowest of the low, unethical, unprofessional , dishonest unskilled, talentless con artist.

They DO NOT shop the loans as they claim. All ho through American Financial Network, also sleezey.

High closing costs and the worst lab terms is who they are.

We were with an entirely different company until our mortgage broker Terry Garfink, notified us after we were in contract that she had quit and was now with Kalfinancial.

Her conduct was exactly like his. Once we were trapped, which she orchestrated, they go into their game of extortion for their gain.

They intentionally caused as much stress as they could and intentionally withheld documents and communication in order to achieve their end.

Go anywhere else. They are all hired and recruited because the share a total lack of scruples.

Go anywhere else. The only true reviews of this absolute creep, who we could not get rid of fast enough, are the one we wrote and the one written by the woman who described him as we do.

We regret ever having anything to do with him or Terry Garfink and have reported them both to the Department of Real Estate.

Is Rob Pavley - Kal Financial a scam?
Rob Pavley - Kal Financial is a scam and a bad service provider as per the report filed on They are not aggressive towards their customer satisfaction and complaint grievance.
Is Rob Pavley - Kal Financial legit?
First Rob Pavley - Kal Financial is not a legit business owner or provider. You must take necessary precautions/measures before buying or using their services.
How many reviews are submitted by Rob Pavley - Kal Financial’s consumers?
There is/are 1 review(s) posted about Rob Pavley - Kal Financial and it indicates that the severity of the scam is High.
Where is Rob Pavley - Kal Financial located?
Rob Pavley - Kal Financial is located at 2542 S Bascom Ave STE 130, Campbell, CA 95008, USA. You can contact Rob Pavley - Kal Financial by dialing (408) 477-0440 or visit their website before filing a lawsuit. We are no way affiliated with better business bureau or yelp reviews platform.
How much monetary loss is incurred by Rob Pavley - Kal Financial’s customers?
According to the report(s), US $4323 was the total loss incurred by Rob Pavley - Kal Financial’s customers.

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1 Review on Rob Pavley – Kal Financial

  1. I was very lucky to have met Teri Garfink who is the most caring person in this industry I have ever met.

    Kal Financial employees were always helpful, understanding and respectful of my questions along the way of getting our home of 40 years refinanced. I was very lucky to have met Teri Garfink who is the most caring person in this industry I have ever met.

    She has a real sense and passion for wanting to help people and makes an otherwise nerve-wracking process very smooth and effortless. I want to thank Rob and all his crew for a great experience. This is the first review I have ever written.
    N. Mck.

Reported Loss :4323 $
Severity of Scam :High
Reported by : Anonymous
Views :