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About Caleb Zhao
Advice for New Home Buyers
Do research on the lenders you consider for your home loan. It’s the largest purchase for most people so a little extra due diligence is certainly worth the effort. A good loan officer can go a long way to help streamline the home buying process.
Helpful, Knowledgeable, Patient
“We recommend Caleb! We are grateful for how he patiently guided us from start to finish through the homebuying process. We would be happy to seek him again in the future.”
—D Sonnenburg from Miami, FL
Outstanding Service
“Caleb made buying our home incredibly stress free. His communication was constant throughout each step of the journey, and he was always quick to answer any questions that arose. Cannot recommend him highly enough!”
—hbthomas from Katy, TX
Refinancing made easy
“Caleb reached out as we were six months into our VA loan & the interest rates had dropped & we were eligible for an IRRRL refinance. I explained that my husband had just passed away & I wasn’t capable of doing much. Caleb made the process so smooth & stress free for me. He was patient with my sometimes lengthy response times but also made sure that I got things submitted before deadlines. He explained things thoroughly & answered any questions I had that came through the process. I really appreciate the kindness that was shown during the worst time of my life. I would recommend him to anyone. Thank you so much Caleb! ”
—Kristina from Saint Louis, MO
Outstanding Service from Caleb Zhao!
“I cannot recommend Caleb Zhao highly enough! From start to finish, he was incredibly knowledgeable, responsive, and patient throughout the entire mortgage process. Caleb made what could have been a stressful experience feel smooth and manageable. He took the time to answer all my questions thoroughly, kept me informed every step of the way, and worked tirelessly to ensure everything stayed on track. His professionalism and attention to detail gave me complete confidence in the process. Thanks to Caleb, I was able to close on time with a great rate and a clear understanding of every step. If you're looking for someone who truly goes above and beyond for their clients, Caleb Zhao is the one to call! ”
—Virge Owens from Athens, AL
Wow!!!! Amazing!
“I just closed on my 5th home purchase and might I say, I wish I had found Caleb and NBKC before home purchase #1! I submitted a random inquiry on the internet to get a second quote on my investment purchase, Caleb called a few minutes later and we were off. He immediately beat the rate I had been offered by another lender and gave me several better options. I think it was a Saturday? By Monday we basically had the mortgage structured and closed 24 days later. He’s very knowledgeable, incredibly quick to respond, and delivers on his promises. 10/10 will use again. Oh also, Bravo to the whole team who covered for Caleb being out of office for a few days. They kept everything moving forward absolutely seamlessly. ”
—Lisa Overman from Saint Charles, MO
Perfect lender for a first time homebuyer
“My wife and I were totally new to the homebuying process, and from the moment we first spoke with Caleb, we knew we were in good hands. Caleb was responsive, patient, and extremely knowledgeable, and took the time to explain various aspects of the homebuying and lending processes to us. We always felt confident that Caleb was looking out for our best interests, including securing us the most competitive interest rates. I can’t speak highly enough about Caleb and would recommend him to anyone looking to work with an honest and capable lender!”
—Cara Peralta from North Bergen, NJ
Great partner to work with.
“We were first home buyers and used AI LLMs to get advice on which lender to use. NBKC came back at the top both last years, and this year again when we were ready for the transaction. Caleb answered me on both years when I reached out. He always was very friendly, knowledgeable and patient. Once I kickstarted the loan request, everything went very fast and perfectly smoothly. Both NBKC and Caleb have been great partners to work with. Caleb is also very fast to answer every question, which is very valuable when you are new to the process.”
—Charles Jansen from Atlantic Highlands, NJ
First time home buyer
“First time home buyer and Caleb was absolutely amazing! You could call or text him any day of the week any hour and he was always very quick to respond! I would highly recommend him to anyone looking to buy a home! ”
—graberl520 from Rensselaer, NY
Incredible Loan Officer!
“Caleb was incredible to work with as a first-time buyer. He was prompt, informative, professional and answered all of my questions. Would recommend working with him and NBKC to all buyers. ”
—Joanna from Brooklyn, NY
HIGHLY recommend Caleb Zhao
“Caleb is AMAZING! He was able to get us a very competitive interest rate. When calling around to check competitors, several told me congratulations and that there is no way they could beat his rate. Not only did he have the best rate, the guy is a workahaulic--his response time to all of my (MANY) questions was so quick. I hope to never need another mortgage again, but if I do, I will be calling Caleb first!!!”
—Pam Phillips from Mckinney, TX
Get to know Caleb
What is your motto or personal mantra?
“I am the master of my fate – I am the captain of my soul” -William Earnest Henly
What is your favorite sports team?
Kansas City CHIEFFFFFS!
What is something that people would be surprised if they knew about you?
I spent several summers overseas growing up.
What is on your bucket list?
I would love to travel the world and visit as many different countries and cultures as possible.
What aspect of your job are you most passionate about?
I am most passionate about helping people realize their dream of home ownership.
Where did you grow up?
I grew up in Overland Park, KS – I often say it’s one of the best kept secrets in the country as far as places to live and to raise a family.
What are some of your hobbies?
I love to spend time with my family when I am away from work. You’ll likely find us outdoors on a bike ride or in the gym playing basketball.
Before working at nbkc, what was the most unusual or interesting job you’ve ever had?
I worked in a movie theater in high school and would get to watch all the new release and have free popcorn!