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Kami Zolfaghari

Vice President of Mortgage Lending
2229 Lombard Street, San Francisco, CA 94123
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NMLS: 281576
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TestimonialsCustomer testimonials Read more

Kami Z. was incredible to work with. He gave us all of the required attention and then some. We truly felt taken care of during our refi and also feel that we made a friend in the process. We will absolutely use GR for future finance needs. Special thanks to the professionalism and care that Kami extended to us.

Thomas F. - Oakland, CA | APR 2016

Kami was very informative, helpful, and patient throughout the process. Would definitely use him and Guaranteed Rate again.

Kyle L. -San Francisco, CA | MAR 2016

Kami Zofaghari did an excellent job under tight deadlines.

Brian M. -- Tiburon, CA. 9/12/2014

About Kami

Graduated from UC Davis. I've been in the business about 16yrs. I'm a fitness enthusiast. I believe in the long term value of relationships and friendships with all my clients.

Kami interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
16 yrs give or take. I loved real estate, and I loved finance. I was an economics major in college. It seemed like the perfect mix.
Who is your typical customer and what questions do they typically have?
Savvy, educated. Generally, the clients know what they want. They generally want to know what the most palatable product is for their long term financial plan.
What specific steps do you use to help your customers find the best home loan for them?
I always ask what their long term plans are. Then I present them with different products to see which product best fits their long term needs.
How long have you been in the mortgage business? What awards have you won?
16 or 17 yrs. President's Club for 3 or 4 yrs in a row.
How has the mortgage industry changed since you started, and what would you expect in the future?
15 yrs ago, all you needed was a heartbeat. NOW, all the boxes need to be checked in or order for a transaction to work. Clients can't personalize any requests from the underwriters.
What can borrowers do to insure a smooth mortgage underwriting process?
Have all your finances organized. Have all bank statements, taxes, pay stubs. The more organized you are, the easier the transaction will be.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Fitness enthusiast, biking, hiking and running.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have a love-hate relationship with the pressure of the industry. BUT I seem to thrive on it.

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