We Can’t Wait to Work With You

Buying a home isn’t just a financial move — it’s a milestone.
At KD Team, we know how much is riding on this decision. Whether you're buying your first home, expanding for a growing family, refinancing after divorce, or strategizing for generational wealth — the process can feel overwhelming. That’s where we come in.

We’re not just loan officers. We’re partners. We take the time to understand your whole picture — your life stage, your priorities, your fears, and your vision. Then we guide you with total transparency, speed, and care.

A dynamic duo, Kaelen and Deanna, mortgage experts known for their strategic clarity and warm, proactive communication, our team blends financial expertise with a deep understanding of family dynamics. It’s why realtors trust us. It’s why clients return. And it’s why we’ve become the Bay Area’s go-to mortgage team for those who want the journey to feel just as good as the outcome.

What We Stand For

  • Transparency over tactics. You’ll never be left in the dark — we explain everything in plain English and make space for all your questions.

  • Family-first thinking. We understand that mortgages impact real lives, real relationships, and real futures.

  • Speed with care. We move fast without cutting corners, always staying ahead of deadlines and communicating consistently.

  • Advocacy and empowerment. We guide you like we would our own family — with empathy, strategy, and integrity.

What Makes Us Different

  • We’re not chasing the lowest rate — we’re delivering the highest level of service.

  • We understand the emotional and logistical complexity of modern Bay Area life — especially for dual-income couples and women leading the charge.

  • We’re not just lender-approved — we’re realtor-revered for making the entire process smoother for everyone involved.

Two women sitting back-to-back indoors, smiling at the camera, with patterned pillows behind them.
  • A smiling woman with long, wavy brown hair, wearing a black top and a light-colored blazer, standing against a plain gray background.

    Kaelen Cavalli

    HOME LOAN ADVISOR

    Kaelen is a California girl, born and raised, now loving life here in the Bay Area where she is busy wrangling three amazing kiddos, my husband, and our sweet pup, Kittle. Family life keeps me on my toes, but it also fuels my heart and gives me perspective on what “home” truly means.

    I’ve always had a passion for people. With a background in high-level customer service, marketing, and sales, I’ve built my career on creating genuine connections and nurturing relationships. Helping clients find their dream home isn’t just a job for me—it’s an honor to be part of such an important chapter in their lives.

    Outside of work, you’ll usually find me outdoors—whether I’m tending to my garden, golfing with my husband, or staying active with my girls. I love soaking up California sunshine and making the most of every season.

    At the end of the day, I believe home is more than four walls—it’s where life happens, and I’m so grateful I get to help others find theirs.

  • A blonde woman smiling and looking at the camera, wearing a black top with pleated sleeves and patterned pants, standing against a plain light gray background.

    Deanna Schmidt

    HOME LOAN ADVISOR

    Deanna is a proud Bay Area native who grew up in the East Bay, and still calls this special place home. These days, life is joyfully full with her husband and their three amazing kiddos who keep them on their toes and hearts full.

    With over 15 years of experience in the mortgage industry, she started her career in mortgage processing before transitioning into a loan officer role in 2018. That strong foundation gave her the knowledge and perspective to guide clients through every step of the home loan journey with care, patience, and expertise.

    What she loves most about her job is building genuine relationships and helping people feel confident and supported as they make some of life’s biggest decisions. Her goal is to make the mortgage process simple, approachable, and even enjoyable — because buying a home should be exciting, not stressful!

    When she’s not working, you can usually find her with her family, enjoying the beautiful Bay Area, or cheering on her kids in their activities.

Two women celebrating indoors with confetti and party poppers, standing in front of a wall with a wooden circular sign that has the initials 'AM' or 'AC', next to a large potted plant.
A happy family of five sitting on the wooden floor in front of a white wall, including a father, mother, two young children, and a newborn baby.
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A family of five outdoors, standing on a dirt path near rocks and trees, smiling and posing for a photo in warm sunlight.
Two women smiling wearing Easter bunny ears headbands, standing in front of red curtains and colorful decorations.

No matter the state of the industry and market, let’s get you a mortgage that fits your goals.