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    Spinnaker Financial

    4.3 (6 reviews)
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    Services - Spinnaker Financial

    Mortgage services

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    9 months ago

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    13 years ago

    Kay Otis is one of the best in the business of lending. Her knowledge and communication are top notch! Highly recommend.

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    John Samsky - KD Capital Mortgage

    John Samsky - KD Capital Mortgage

    (9 reviews)

    In the midst of the Covid-19 pandemic, my wife and I looked into buying a new home. Not because we…read morewere financially sound or because Mars was in Gatorade or whatever. Simply because it was in our best interest to move from the property we were at. We consulted a local realtor who had us call John Samski III at KD Capital. Now, I always admire someone who picks up the phone the first time you call them. That's what John did. From the start he was very informative and knowledgeable of all the loan products that were available to us. He walked us through the process, which was new to both my wife and I, and always took the time to explain what everything meant. We had a particularly long escrow which was nerve-racking. But John kept us abreast of everything that was going on and was patient and accommodating. John is as competent as they come and should be the standard by which all others are measured. The other day my wife and I were hanging out and out of nowhere she says..."Dang, I kinda miss John Samsky and his daily phone calls..." That's an impression not many make!

    Simply amazing! John was the best. We were trying to get a loan for our home and we had very…read moreunusual circumstances. John worked hard after hours and even over the weekend. He pulled every string imaginable and he got us the loan and now we are in our new home! I can't think of anyone else who I'd recommend other than John Samsky. Thank you so much! Also, a pretty cool guy.

    J-Dyhr Capital

    J-Dyhr Capital

    (1 review)

    John Kirkgard, the owner and founder, contrasts nicely with many of the large cookie cutter…read moreadvisers in the area. We have found that these large companies treat clients as a number, and rarely provide the individual attention needed to properly manage investments. When markets are tough and unpredictable it is nice to know that John is looking at my account and doing all he can to balance my portfolio in order to meet my goals. John limits the amount of clients he takes on in order to ensure he does not spread himself too thin. As concerned as I am with how well my account performed in charging markets, it is the performance of my investments over the last three years which really highlight J. Dyhr Capital's successes. John is an independent Registered Investment Advisor based in the Santa Ynez Valley who specializes in Investment Advising, Financial Planning and Wealth Management. Rather than taking orders from a regional or national branch, J. Dyhr Capital's independence allows it to allocate to the best possible investment vehicles for its individual clients. John also close relationships with CPAs, Tax and Estate Planners and local attorneys to assist his clients in all facets of retirement planning. He is local and knows many people in the valley. There is a good chance he is already working with one of your friends or associates. Ask around everybody knows John, and just about every can attest to his strong character and integrity. In our first meeting, John sat down and carefully educated me on the process. He walked me through my complicated quarterly statement from a large local branch and helped me understand the complicated tables and hidden industry vocabulary. If you are looking to chase market returns or flip stocks J. Dyhr Capital is not for you; however, if you are looking for some portfolio stability through someone you can really trust then look to John Kirkgard.

    Spinnaker Financial - mortgagebrokers - Updated May 2026

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