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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.
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
A lender that truly looks out for your best interest
“Caleb was AMAZING from start to finish. He was the only lender that really tried to save me money where he could. I originally was going to do conventional but he had suggested the VA loan. It saved me so much money in interest and closing costs! He was also able to close in 21 days with a VA loan! Woww! I have went through several purchasing processes and this was the smoothest transaction I’ve ever experienced.”
—An Hodac from Cincinnati, OH
Caleb was an awesome loan officer, he struck me as trustworthy and caring.
“Caleb was fantastic in helping me secure a loan for a property in Richmond Hill GA. I feel he was transparent, communicative and reachable throughout the whole process. I believe he found me the best possible option. I highly recommend him and I look forward to working with him in the future.”
—Christopher Ochieng from Richmond Hill, GA
Honest and reliable Loan Officer
“Caleb was extremely helpful and honest with us. I couldn't have asked for a better person to run through this process with. He was always available and was extremely patient with us. I will for sure reach out to Caleb in the future when needed. ”
—zuser201512240928019 from Woodstock, GA
Recommended Lender
“As a first-time homebuyer, Caleb was extremely informative in the purchasing process. I had many questions, but there weren't any that he could not field. Just wish I would have asked more questions! NBKC Bank's digital portal makes lending a breeze. Their technology is certainly with the times. Thank you, Caleb, for helping us out and getting us into our first home!”
—Chris Felder from Chicago, IL
Caleb was the best!! He was the reason we got our house!
“Couldn't recommend Caleb more highly -- he is extremely responsive, approachable, thorough, and works wildly hard to get you your loan/mortgage! He is the reason we have our dream home, and we couldn't be more grateful. A rare house popped on the market over a holiday weekend + bids had to be submitted by Sunday at 4:00. I messaged Caleb at 3:00 pm on Saturday not knowing if this would be possible since other banks told me no. He said, "yep -- send me your paperwork as soon as possible and I can tell you by tomorrow morning if you're approved." 8 am on Sunday morning -- he had our pre-approval letter ready AND their fees and rates were the lowest we found. He was then there every step of the way throughout the process. Would text me back in minutes usually. It was incredible. Thank you, Caleb! So happy we got connected to you. ”
—zuser201606110544437 from Arvada, CO
Caleb made it easy!
“Working with Caleb at NBKC Bank was an outstanding experience. He was a huge help throughout the entire VA loan process and made what could have been a stressful time feel easy and manageable. Caleb was always responsive, knowledgeable, and proactive. He took the time to explain everything in detail, answered all my questions promptly, and made sure I felt confident every step of the way. What really stood out was how fast and efficiently he worked—we were able to close in just one month, which is impressive for a VA loan. His professionalism, clear communication, and commitment to helping veterans made all the difference. I’m truly grateful for his support and highly recommend Caleb to anyone going through the homebuying process, especially fellow veterans using a VA loan.”
—Alec Viertel from Boonville, MO
ALWAYS AMAZING
“Caleb was fantastic to work with! This was the THIRD loan I have worked with Caleb on now. Every time things went incredibly smooth. Caleb was able to get me approved quickly and painlessly and now I’m in my dream home! He always gets the best rates. ”
—Marissa from Overland Park, KS
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!