ABOUT US
onDemand Lending inc. is a modern mortgage company headquartered in Orange County, CA. We focus on residential mortgage lending to consumers looking to purchase or refinance. Whether it is your primary residence, second home or investment property, we have the right products for you.
The main benefit of working with us is the fact that we are a family owned company. Choosing us gives you the advantage because we handle every loan with attentiveness. We focus on getting you the best product, lowest price the market has to offer, and make sure you feel comfortable from start to finish.
Jake Kalmin
Jake is in the business of doing the right thing. Taking care of employees & customers with a moral code. He specializes in purchase & refinancing 1-4 unit properties.
Jake is an elite mortgage loan officer based out of Southern California. 2020 and 2021 he was an Executive Loan Officer with one of the largest direct lenders in the nation, loanDepot.
With a family of his own, he completely understands the importance of knowing all your financial options as a homeowner. Transparency and trust are what you can get working with him. After your no cost, no obligation mortgage analysis with Jake, he will be the first to tell you to stay in your current situation if a refinance does not make sense.
Having helped thousands of Americans accomplish their home mortgage needs, he is here to help educate you on the current market and products we offer. Whether it is pulling cash out of your home for home improvements, consolidating debt, shortening the term to save interest, or lowering the monthly payment- he is here to help you accomplish all of your financial goals. He takes pride in educating his clients on what is best for them and making sure they feel comfortable throughout the process.
President and CEO
NMLS # 1828186
Kristina Jimenez
Processing and Operations Manager
Kristina Jimenez serves as the Processing and Operations Manager at onDemand Lending Inc., bringing extensive experience from some of the nation’s most respected mortgage institutions. Prior to joining onDemand, Kristina was a top-producing processor at Loan Depot, one of the largest direct lenders in the country. She has also contributed her expertise to Caliber Home Loans, NewRez, and PHH Mortgage, where she developed a deep command of processing, operations, underwriting support, and customer experience.
In her role, Kristina works closely with our executive licensed lending officers to oversee processing workflows, maintain operational efficiency, and ensure every client receives a streamlined and transparent refinance experience. She collaborates directly with leading title companies, enhances communication throughout the loan cycle, and upholds the highest standards of accuracy and service.
Kristina is known for her professionalism, responsiveness, and commitment to excellence. She remains available to assist and guide clients at every stage of the refinance process, ensuring clarity, confidence, and a consistently high level of support. Her dedication to client service reflects her core belief that every homeowner deserves an exceptional experience.
With Kristina leading our processing and operations efforts, clients can expect a smooth, informed, and dependable journey—rooted in integrity and supported by the strength of the onDemand Lending Inc. team.
Paul Vogeler
Executive Licensed Lending Officer
NMLS # 1997259
With over a decade of experience in sales, Paul Vogeler brings a deep understanding of client service, communication, and follow-through to the mortgage industry. As a Loan Officer at onDemand Lending, Paul supports clients through every step of the loan process with a calm, knowledgeable, and solutions-oriented approach.
Originally from Orange County, California, Paul is a devoted husband and proud father of three. He values family, hard work, and helping others achieve their homeownership goals. His dedication and attention to detail make him an invaluable part of our team.
Alvin Scott Tran
Executive Licensed Lending Officer
NMLS # 1988049
With over a decade of experience in the fitness industry as both a general manager and sales leader, Alvin Scott Tran knows what it takes to motivate, guide, and support people toward their goals. His natural friendliness and commitment to helping others led him to transition into the world of debt consolidation, where he quickly found success helping clients regain financial control.
Now living in Southern California, Alvin has brought his passion for service and deep understanding of personal finance into the mortgage world. He chose this path because he understands how smart financing can be life-changing—and he's committed to helping others save money and build a more secure future. Whether you're buying a home or exploring better lending options, Alvin is here to help with clarity, care, and confidence.
Matthew Valdovinos
Executive Licensed Lending Officer
NMLS # 2790738
Matthew Valdovinos brings a strong financial background and a genuine passion for helping people achieve their goals. After many successful years working in the educational lending sector, Matthew decided to take his experience to the next level by transitioning into the mortgage industry, where he could make an even greater impact on clients’ long-term financial futures.
Throughout his career, Matthew has built a reputation for clear communication, trust, and guiding clients through complex financial decisions with confidence. His experience in educational loans gave him a deep understanding of lending guidelines, financial planning, and the importance of finding solutions tailored to each individual’s situation.
As a Mortgage Loan Officer, Matthew is dedicated to helping borrowers improve their financial position, whether they are purchasing their first home, refinancing, or exploring creative lending solutions. He believes homeownership is one of the most powerful tools for building wealth and stability, and he takes pride in helping clients navigate the process smoothly from start to finish.
Outside of work, Matthew enjoys staying active, working out regularly, and spending time outdoors. His disciplined lifestyle and positive energy carry over into the way he serves his clients — with focus, integrity, and commitment.
Mark Faynboym
Executive Licensed Lending Officer
NMLS # 2786117
Originally from Northern California, Mark Faynboym brings a unique blend of analytical expertise and client-focused service to the mortgage industry. Before transitioning into lending, Mark spent many years working in the tech sector as a data scientist, where he specialized in analyzing complex financial and consumer data to drive smarter decision-making.
Today at onDemand Lending, Mark leverages his strong technical background to help clients navigate the mortgage process with clarity, precision, and confidence. His analytical mindset allows him to evaluate loan scenarios thoroughly, identify optimal financing solutions, and streamline the loan experience from application to closing.
After relocating to Southern California, Mark quickly embraced the lifestyle and community and is passionate about helping local homebuyers and homeowners achieve their real estate goals. In addition to serving clients directly as a loan officer, he also plays a key role in helping onDemand Lending optimize technology systems and operational efficiency to better serve borrowers.
Mark is committed to transparency, education, and delivering a smooth, modern lending experience tailored to each client’s financial situation.
Kimberly Varela
Executive Licensed Lending Officer
NMLS # 2778741
Kimberly Varela brings a unique, people-first approach to mortgage lending, shaped by her many years as a Licensed Vocational Nurse (LVN). Throughout her nursing career, Kimberly found purpose in caring for others, listening to their needs, and helping them navigate important life decisions with compassion and clarity.
Driven by a desire to continue helping people in a meaningful way, Kimberly transitioned into sales and ultimately into mortgage lending, where she now helps clients improve their financial well-being and achieve homeownership. Her background in healthcare gives her a calm, patient, and detail-oriented approach—qualities her clients value during what can often feel like a complex process.
Based in Orange County, California, Kimberly enjoys spending time with friends, staying connected to her community, and continuing to support others both professionally and personally. She is passionate about guiding clients through their mortgage journey with honesty, care, and a genuine commitment to their long-term success.