We close in 7 to 14 days, not 30 to 60 to 90. Speed is a service, not a slogan.
, Andy Zhao
founder, Kai Mortgage
Author · 2 quotes
Andy Zhao — Quotes from The Business Spotlight
Andy Zhao of Kai Mortgage in Utah discusses Mortgage Broker vs Bank: Faster, Cheaper Closings | Andy Zhao, Kai Mortgage. These quotes come from the conversation on The Business Spotlight with Peter Anthony. Watch Andy Zhao's episode
Read Andy Zhao's companion articleAbout Andy Zhao
founder, Kai Mortgage
Andy Zhao is the founder of Kai Mortgage, a Utah wholesale mortgage brokerage built around speed, transparency, and a service-first client experience. Andy and his team help Utah home buyers and homeowners access the wholesale lending lane, typically saving $1,000–$2,000 per loan compared to retail bank offers, with approvals delivered in 7–14 days instead of the industry-standard 30–60–90. Kai Mortgage now runs with eight loan officers and a growing bench, leveraging smarter workflows and targeted AI to keep underwriting fast, communication tight, and the client supported all the way through closing, not just to approval.
Andy Zhao discusses Mortgage Broker vs Bank: Faster, Cheaper Closings | Andy Zhao, Kai Mortgage.
View Quote
Andy Zhao discusses Mortgage Broker vs Bank: Faster, Cheaper Closings | Andy Zhao, Kai Mortgage.
Most buyers don't even know the wholesale lane exists. That's why they overpay the bank.
, Andy Zhao
founder, Kai Mortgage