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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.
straight forward
“From the first phone call, we were impressed with the clear communication of answers to any of our questions. Caleb did an excellent job of guiding us in the right direction. We are very happy with our experience and would happily choose to work with Caleb again.”
—S G from Hinton, WV
Amazing and Quick Service!
“Caleb is extremely knowledgeable. He gave clear concise answers and was readily available. Professional help, willing to go above and beyond to have our services met. Thank you so much! ”
—kay montgomery4255 from Talbott, TN
Easiest re-fi ever!
“This is our third refinance, and this was the easiest thing EVER. I submitted docs once, signed, and that was it. Cannot recommend Caleb and his team enough. ”
—Daniella Norman from Austin, TX
Highly Professional, Efficient, and Great Rates!
“I had an excellent experience working with Caleb and NBKC Bank. From start to finish, the process was incredibly efficient and professional. They offered very competitive rates that made my refinancing decision easy. Caleb was always responsive and handled every detail with expertise, ensuring a smooth closing. I highly recommend his services to anyone looking for a seamless mortgage experience”
—Eugene Huang from Overland Park, KS
Caleb’s the man!
“Caleb Zhao with NBKC Bank was very helpful through the refinancing process on our home. He went above and beyond to make sure the process was successful and smooth for me and my wife. I strongly recommend using Caleb for your lending needs.”
—Kenton George from Knoxville, TN
Great Experience
“Caleb was very efficient and answered all of our questions. There was no extra pressure, we felt very comfortable in our decision making. He and his team are very responsive and closed very quickly. We will be using him again for any future purchase. Great Job and Thank you again!”
—Manuel Hernandez from Federal Way, WA
Amazing Lender!
“I was in a pretty stressful situation with my home purchase and had already gone through a lot of uncertainty before deciding to move forward with Caleb. From the moment I switched over, everything immediately became smoother, clearer, and far less stressful. Caleb was incredibly responsive, transparent, and patient throughout the entire process. He took the time to explain things clearly, answered every question I had, and made sure I understood each step. What stood out the most was how calm and confident he was — when you’re buying a home, that kind of guidance makes a huge difference. Once we started working together, the process moved efficiently and without surprises. The numbers were clear, communication was consistent, and everything was handled professionally from start to finish. Buying a home can be overwhelming, but Caleb truly made the experience feel manageable and straightforward. If you’re looking for a lender who is knowledgeable, honest, and genuinely supportive throughout the process, I highly recommend Caleb and nbkc.”
—Yosmany Chang from Pflugerville, TX
NBKC Bank
“We did a refinance for our home loan and Caleb was extremely responsive, accurate and helpful. He answered all questions we had almost immediately and made the entire process seamless. We will be using Caleb for all future refinances and purchases! ”
—Coastal Life from Nipomo, CA
Great Experience
“We worked with Caleb as first time homebuyers and it was a wonderful experience. He came highly recommended from friends who had worked with him in the past. He was quick to respond, explained and kept us updated on the process, and never got irritated with our endless calls and questions. We looked at several lenders and his rates and fees beat all the others.”
—SHBB from Asheville, NC
Caleb was AWESOME
“I had to refinance my house due to my husbands death. Caleb walked me through the process and was very patient and understanding. I will recommend him to everyone looking to buy a home. ”
—sfharsher from Zanesville, OH
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!