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Patricia Zavala

Mortgage Loan Officer
NMLS#: 2593347

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 a Mortgage Loan Officer with KAI Mortgage who is passionate about guiding clients through one of the biggest financial decisions of their lives with clarity and confidence. My background in finance, contract coordination, and client relations gives me a well-rounded understanding of the homebuying process and the importance of strong communication throughout every transaction.

I’m bilingual in English and Spanish and love helping clients feel informed, supported, and confident from pre-approval to closing.

My goal is to create a smooth, stress-free experience for both clients and referral partners by staying accessible, detail-oriented, and solution-focused every step of the way.

Outside of lending, I enjoy wildlife photography, hiking Utah’s beautiful mountains, cooking, and spending time with friends and family.

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.

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