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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.
Caleb is patient, but strikes fast!
“I appreciate that Caleb was willing to work at my reluctant pace. He would call me whenever there was a market change to see if I was interested. His company doesn't charge through the nose for underwriting and won't "get you" with fees for anything! It was refreshing compared to my experience with brick and mortar lenders. We ended up getting 1.5% less interest on a loan 10 years shorter and pay exactly the same per month, which is better than we could've hoped. I couldn't ever find anyone with a better deal any of the times he reached out to me.”
—Luke Landmesser from Media, PA
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
Best Choice without any hesitation
“I consider myself very lucky to have found Caleb as my loan officer. He is incredibly professional, kind, and always responds with impressive speed. The loan rate he secured for me was the best I could find, and the overall cost efficiency was outstanding. On top of that, his service was truly top-notch. Highly recommended! ”
—jamesxiang0308 from Overland Park, KS
Caleb was attentive, kind, and thorough
“My refinancing process with Caleb at NBKC could not have been easier or more reassuring. They say you have to choose only two of the three: done well, done fast, done cheap... but somehow NBKC and its loan officers manage to do all three. Caleb was attentive to the point that I worried about his personal time(!), and handled everything with an incredible ease. I knew I should refinance but kept putting it off due to overwhelm. Caleb managed to deflate the intimidation factor and lead the process confidently and swiftly. If I buy or refinance again, I will be back!”
—LyndseyLantz from Lake Arrowhead, CA
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
Easy closing
“Caleb was quick to respond with any questions. Willing to communicate with text/email/call, whatever is easiest for you. The entire process went smoothly. Would recommend him and his team!”
—nbaman15 from Overland Park, KS
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!