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Hello! I am Benjamin Chai

Senior Loan Consultant | NMLS #415041

Benjamin Chai - NASB loan officer

I am a seasoned mortgage professional with nearly 10 years of experience and have originated and closed over 1,000 loans. After growing up in a very small town in MO, I have brought those small town values to the mortgage profession. I'm a man of my word and have dedicated to serve my client's needs. I have experience in first mortgages and second mortgages (Home Equity and Home Equity Lines of Credit) along with the expertise to originate Conventional, VA, FHA, and Portfolio loans. I take pride in customer service and enjoy working with borrowers to deliver exactly as promised. It is important to quote a solid loan from start to finish with a streamlined process. I'm a family man and the father of 4 great kids. I enjoy watching my kids play sports, the outdoors and spending time with my family. Thanks for taking the time to view my profile and I look forward to helping you with your mortgage needs today!

About me

Loan specialist since: 2004

Education:Avila University

What people say

“Quite possibly the easiest and smoothest experience I've had, not only with a loan(which can be frustrating sometimes) but covering all my transactions both personal and professional. Benjamin and his team, especially Mindy Thomas, were on top of every detail and their communication with myself and my agent was amazing. I would recommend them to anyone and everyone I have a chance to.”

— Drew W.

“We couldn’t be more pleased with NASB and Ben Chai, our loan consultant. This process from start to finish was extremely smooth and well planned.  Ben is very knowledgeable and responsive banker, who carefully walked us through the entire home loan process and kept us up-to-date with any new developments. Ben was quick to respond to our phone calls and emails and was readily available to handle our questions and concerns.  We will definitely be using NASB and Ben Chai in the future.”

— Nolensville, TN

“I worked with Ben Chai at NASB. He was quick, knowledgeable, and got my loan through when I needed it.  Other banks told me it would take 30-45 days to get everything done, and he had our FHA loan approved and closed in less than a month. Customer service was great.  He was always there to answer my questions via email or phone and made sure I knew exactly what was needed from me.   I would recommend them to anyone.”

— Atlanta, GA

“Had a fantastic Mortgage Broker.  Ben Chai worked to all ends to make sure my loan went through.  Very ethical and professional to work with.  Will definitely recommend to anyone shopping for loans.”

— Kevin - Huntsville, AL

“Ben Chai helped me tremendously…I can’t believe how painless he made this whole process.  The next time I’m in the market I will use Mr. Chai.”

— Hayden- Spring, TX

“All I can say is that my rep Ben Chai was awesome from start to finish.  He was the first to contact me with a lightning speed phone call and impressed me throughout the entire process with his overall knowledge of what it takes to get an approval to get me into my new home. He was the only one who understood my self-employment situation and was able to extract the correct income information from my personal and business tax returns.  Two other lenders told me that I would need a co-signer but I trusted Ben’s experience e and I was able to close in 30 days.  NASB’s rate was very competitive and did not have any hidden charges along the way.  My closing cost was actually less than what Ben had estimated to be.  Thank you Ben and NASB for a great professional service.”

— JL - MN

“I first explored a refi with NASB and other Lending Tree Lenders in March 2009, but backed away when the rates ticked up and my ARM reset downwards.  When I called my NASB rep ben Chai from time to time over the next 12 months, each time, ben had my transaction details at his fingertips.  We closed last month. Ben was more than just instantly responsive:  he was extremely helpful, suggesting ways to save money on the deal, working tactfully with third parties to confirm my qualifications, keeping the rate lock even though the transaction took a little longer than expected, smoothing the inevitable bumps in the road, etc., etc.  What an outstanding loan officer: informed, efficient, communicative, and polite.”

“From the first phone call made, NASB has been fabulous to deal with. My calls and emails were always answered promptly, the process was easy and quick and we have refinanced with exactly what we wanted. Ben Chai in particular was so great to work with, it was truly a pleasure!”

— Diahn M.

“Ben was the best!! He helped walk me through securing a VA loan for my family's dream home all while my husband was deployed. I had so many questions and Ben always had an answer right away. We had a few extra steps along the way as a result of my husband's deployment and Ben navigated us through them easily. His customer service and knowledge of the VA loan process is excellent. I would definitely recommend NASB to anyone looking for a mortgage. Thanks Ben!”

— Kyle S.

“I just wanted to reach out and let your company know about the superior performance of Ben Chai. I just recently closed a loan for a new property and he was nothing but stellar in his performance getting this done. I will not hesitate to recommend your bank as well as Ben to anyone looking for a home loan.”

— Corey G. - Wheatridge, CO

“I really had a good time working with Ben Chai and his associates. He was most helpful in getting me started and assisting through the whole process. He was able to provide me with the best deal available. I would be glad to recommend NASB to anyone who ask for a recommendation.”

— Lynn C.