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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.
Easiest Lender Ever!
“Caleb was spectacular. Extremely responsive, even on Halloween and on the weekend. Clear, concise communication made for the easiest mortgage transaction I have had. Closed ahead of time. Strongly recommended! Thanks Caleb!”
—user3914318 from Chewelah, WA
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
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
Great NBKC experience!
“This was my first time working with NBKC and my experience was great! Caleb is very knowledgeable and was very transparent throughout the process. I briefly spoke with him in the beginning when I was asking about rates and he told me from the start that he was confident his bank would offer the best rate available and after shopping around with previous loan companies I have used in the past he wasn’t lying, they were in fact the lowest rate available with no fees and the process was very smooth. I couldn’t be happier as we are excited to get into our new home on our expected closing date all thanks to Caleb and his dedication to getting our application processed on time with no delays. Thank you Caleb and I look forward to working with you agin if another home purchase is in our future. ”
—Jesus C. from Spokane, WA
Caleb is fantastic!
“Caleb made the process of buying our first home so easy. He was responsive, communicative, proactive, and thoughtful. I cannot recommend him more highly.”
—Sophia Rutkin from San Francisco, CA
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
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
Incredible Experience
“I would not work with any other Lender in the USA. Caleb was communicative in a professional and exact way that made the entire process very easy. I knew exactly what needed to happen next and the steps were easily laid out for me. Scary to be a first time home buyer, but Caleb knew all the twists and turns and even listened to my suggestions. ”
—Andrew Hoffer from San Francisco, CA
Incredibly informative and reliable
“Our experience with Caleb exceeded all expectations we had for dealing with a lender. Every question, every doubt, every piece of information needed was addressed immediately, and I mean immediately. He was always reliable and transparent which was so appreciated. An absolute pleasure to deal with and would recommend him 100% of the time. ”
—Lindie Nawrocki from Red Hill, PA
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!