Andy Zhao

Nice to meet you! My name is,

Founder
NMLS#: 1821813

Your mortgage journey begins here. Getting started on the purchase or refinance of your home is just a few minutes away. No commitment needed.

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Hello, welcome to my page.

I’m Andy Zhao, a founder at KAI Mortgage. My goal every day is to grow the team, company, and myself in all things measurable. KAI Mortgage prides itself on putting clients first, and every day we’re working to improve ourselves to give our clients the best experience when getting a home loan.

All-in-One Solution

Our Loan Process...

PRE-QUALIFY

A loan prequalification sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.