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Caleb Zhao

  • Sr Loan Officer
  • NMLS: 2055580
  • (816) 456-6300
  • 1300 NW Briarcliff Pkwy
  • Kansas City, MO 64116

Welcome to my website

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

Caleb, Thank you for being a great lender and getting Alex to the closing table on time! It was wonderful working with you and hopefully we get to work together again soon! Laura King

1 month ago
Laura
Indiana

If your looking for a house this is where you should go. Caleb helped us in every way he could and now we have a friend for life. If we need to buy another house we will be calling him again. We would recommend anyone to Caleb and his team.

4 months ago
Bryan
Illinois

Caleb was very friendly throughout the whole lending process. He was able to answer all of our questions and did so in a manner that we could understand. Additionally, he made himself available through email/phone and was open to all forms of communication and replied in a very timely manner. He was the best!

2 months ago
Zelany
Georgia

Caleb was able to get us approved for more than what the lender that we previously worked with had. Whatever issues arose he and him team along with my realtor were able to counteract them. He was very detailed in explaining things, we did not have to ask what did this or that mean because he would explain it completely. Very nice to work with and will use him again.

5 months ago
Robert
Wisconsin

Caleb went above and beyond to keep us in the loop during the entire home buying process. He would always keep us informed on the timeline of projected due dates.

3 months ago
Veronica
Virginia

I can not say enough amazing things about Caleb. His dedication alone to help strangers fulfill one of the most memorable moments of their life is unsurmountable. For me, this was my first home purchase, unusual circumstances, both personally, and due to the CoVid-19 Pandemic our nation is currently in. Caleb never once faltered. This was my first experience, but rest assured Caleb will be the only lender I will ever use, or recommend. If your looking for a lender that is all heart, and cares about his clients, not just their loan number he is the lender to choose. I would never have done this without him. Caleb is a person that truly loves what he does, and that shows with every email, every text, and every phone call.

4 weeks ago
Skyler
Texas

Caleb helped us refinance our home loan last year and again this year. He is super professional, always available, very knowledgeable, and helped us feel comfortable with the entire process. I highly recommend his services!

1 month ago
Brooklyn
Tennessee

He answered every question I had. Extremely prompt with everything. Went above and beyond to get all the information I needed. I would recommend him to anyone looking to be a home owner.

1 month ago
Hunter
South Carolina

Caleb provided excellent customer service throughout the entire lending process. He communicated clearly and worked diligently on our loan. Because of Caleb, our new home not only closed on time, but early. He was a pleasure to work with and we will be reaching him exclusively for all of our future mortgage lending needs.

1 month ago
Lee
Pennsylvania

Caleb was very thorough, and explained each step to Michael (a first time home buyer). Even though the move was 5 hours away, Caleb ensured we could close on the house while we were on vacation! It was so easy to work with Caleb, and we will definitely use his company again. He even set Michael up with a very knowledgeable realtor who lives in the area Michael moved. Thank you Caleb for all of your hard work!

1 month ago
Marcie
Oklahoma

I reached out to The Lending Tree after the loan officer I've worked with locally for years could not get my loan on a $1.2m home to with lenders he works with. Caleb was one of the first loan officers to contact me. I discussed with him how the othim lender did not want to utilize my overtime and bonus earnings year-to-date along with averaging it with the last 2 years because it was usually high in 2020. He contacted his underwriters immediately and I sent all my income documentation and Caleb obtained a pre-approval immediately. Once all income, assets and property documentation were submitted, he had an approval within days. As we maneuvered through the challenges of a new construction property and a hard builder and listing agent to work with, he pressed hard to get them to get the home completed quickly as they sputtered to complete the home on time. No other loan officer would have assisted in that instance. I know; as I myself, have been in the mortgage industry for 29 years. Caleb is a top notch, second to none loan officer who cares about his clients personally and professionally. 5 stars to Caleb!!

2 months ago
Edmond
Ohio

Been through MANY closings and Caleb has facilitated BY FAR the smoothest mortgage loan experience. He is always encouragingly calm, has a ready solution for any issue that might come up due to his decades of lending knowledge and experience, and makes sure things go smoothly. His communication is spot on and he made himself available any time for questions or issues. Very personable, fair and on top of his game. Will definitely go with him again.

2 months ago
Steven
North Carolina

Caleb is communicative, prompt, and professional. When faced with a last minute fall through with another lender, Caleb was able to create a solution that resulted in me getting my preapproval for a traditional loan product the day before a holiday. Him personal investment in a successful result was apparent in every step through closing, including a careful monitoring of interest rate conditions to make sure I got the best deal. My daughter and I are now settling into a very special home and we are very grateful for the service we received.

2 months ago
James
New Mexico

Caleb worked with me to refinance my home. He was very attentive, knowledgeable and responsive. Would highly recommend Caleb and his team if you need assistance with new or refinancing.

3 months ago
Iyana
Missouri

My wife and I are incredibly happy we had Caleb to help us through the lending process with buying a house him in OC. As first time home buyers, we had a ton of questions. Caleb was able to get us all answers we needed within minutes. He had a solution for every issue that came up during the home buying process. Not only does Caleb have a deep understanding and experience with mortgages, he is also able to give advice on matters that aren't directly related to the lending side. That as well as his ability to communicate effectively throughout the whole process resulted in us getting a loan approval even before inspection and appraisal contingencies were removed. Caleb will be my first choice for all future mortgage matters!

3 months ago
Paul
Minnesota

Caleb was very helpful with walking me thru the steps of what I needed. He went above & beyond. I would definitely recommend him. He did an awesome job!

3 months ago
Ophelia
Kentucky

Caleb was excellent at answering questions and leading us through the documentation process. We appreciate him efforts to get us an amazing rate and lower closing costs.

4 months ago
Beverly
Kansas

We applied with Caleb to refinance our first & second mortgage and to payoff some credit card debt. He was able to lock in our low rate and help us thru the process. Caleb was available any time I called or emailed and this included evenings and weekends. I have already referred him to a family member and I would recommend him to anyone looking to purchase or refinance their mortgage.

4 months ago
June
Iowa

My experience with Caleb was one of the best service based transactions I have ever had in any line of business. Communication was not only timely but very organized. They truly care about YOU as a customer and it shows in every step of the process.

4 months ago
Wes
Indiana

Out of four pre-approvals, Caleb was the only one to pick up the phone and call me. He explained everything and worked around my schedule. As a first time home buyer, I had a ton of questions and he answered them all thoroughly and with patience! I can guarantee that if I buy another home, I will be calling him.

5 months ago
Elizabeth
Illinois

Caleb is an incredible professional who is responsive, organized and who has great local knowledge in the Sarasota, Bradenton and Tampa area. There were a number of times Caleb "saved the day" with him cool head, experience and problem solving abilities. For this I will always be grateful. Caleb, was always there for guidance, reassurance and simply to answer those loan, financing and processing "for dummies" questions. I cannot recommend Caleb and UFFExpress highly enough for any home financing or mortgage needs.

5 months ago
Frank

As a first time home buyer, I feel like I got quite lucky with having Caleb as my lender. I entered the process with hesitation. I'd heard stories from family and friends about the many pitfalls that can be involved. Having gone through it, I understand what they were talking about - but I didn't experience much difficulty myself. Caleb is extremely knowledgeable in the mortgage and home buying process. He was responsive, communicative, and able to thoroughly answer all of my questions. Overall, everything went smoothly and I ended up with a great interest rate. I definitely recommend Caleb to anyone who is looking for a lender!

5 months ago
Shane
Georgia
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