Kevin Oto

Kevin Oto
President & Broker/Owner | Green Haven Capital
NMLS #62641 | Sacramento, CA

Primary Market: Greater Sacramento & Northern California
Licensed to Originate In: CA, TX, TN, OR, CO, UT, MD

Kevin Oto is the President and Broker/Owner of Green Haven Capital, a Sacramento-based independent mortgage brokerage recognized for delivering fast approvals, strategic loan structuring, and consistently smooth closings.

With over 20 years of experience, Kevin has established himself as one of Northern California’s most trusted mortgage advisors — helping homebuyers, homeowners, and real estate investors secure financing with clarity, confidence, and competitive pricing in any market.

Kevin began his mortgage career in 2004 and founded Green Haven Capital in 2008 with a vision to create a more efficient, client-focused lending experience. Today, his company combines deep underwriting expertise with modern technology to streamline the loan process, eliminate unnecessary friction, and deliver results — even in complex or time-sensitive scenarios.

He has been recognized by Scotsman Guide as a Top Producing Mortgage Broker every year since 2019 and ranked among the Top 50 Mortgage Brokers nationwide. Kevin is also a featured housing market expert on ABC10’s Dollars & Sense, where he provides insights on mortgage rates, housing trends, and strategies for buyers navigating today’s market.

Known for his ability to simplify complex financial scenarios, Kevin takes a strategic, advisory-first approach — helping clients structure loans that align with their long-term financial goals, not just secure approval.

Whether working with first-time homebuyers, seasoned investors, or real estate professionals, Kevin is committed to delivering a high-level experience built on speed, transparency, and results.

Known for

• Same-day pre-approvals and fast, accurate guidance

• Clear communication and proactive problem-solving from application to closing

• Strong loan structuring to improve approval odds and reduce surprises

• A client-first process built on transparency, education, and long-term relationships

Specialties

Kevin and his team work with:

• First-time homebuyers

• Conventional, FHA, VA, Jumbo, and USDA loans

• Self-employed & 1099 borrowers (including Non-QM solutions when appropriate)

• Real estate investors (including DSCR and portfolio options when available)

• Rate-and-term and cash-out refinances

• Down payment assistance programs (when available)

Serving Greater Sacramento & Northern California

Based in Sacramento, Kevin serves clients across the region, including Elk Grove, Roseville, Rocklin, Folsom, Davis, Vacaville, Fairfield, Auburn, El Dorado Hills, Placerville, and beyond.

Outside of lending, Kevin is a Sacramento native who enjoys spending time with family, traveling, and catching a Kings game whenever he can.

Reach Kevin directly:
Email: koto@greenhavencap.com
Phone: (916) 476-6507 (office) | (714) 457-2087 (cell)

Licensing:
NMLS #62641 | Company NMLS #173062 | CA DRE #01721444

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