Agent Profile Photo
Li Zhang

Li Zhang

Senior Home Lending Advisor
NMLS ID: 679038
Contact Li
Address:
2000 South College Ave
Fort Collins, CO 80525
US
Phone:
Primary:
Fax:
Cellular:
Email:
li.zhang@chase.com
Languages Spoken
Fluent in Mandarin
About Li
With fluency in Mandarin, Li proudly serves clients in the Fort Collins, CO area and specializes in pre-qualification, lending to self-employed clients, VA mortgages, fixed-rate mortgages, adjustable-rate mortgages, and first-time homebuyer programs. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Li is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Li can help you get a clear picture of what might work best for you. Li will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Li wants to ensure that you have a positive home lending experience.
Li’s Certifications
  • Chase Certified in VA Loans
  • Chase Certified in Chase Private Client Lending

Recent Reviews

5.0 out of 5
Rating 5.0
(Based on 6 Reviews)
  • 5 out of 5
    Rating 5.0
    Li was awesome, her and her team not only kept me informed on all procedures but made me change lenders when I was already pre approved elsewhere.
    Response from Li Zhang
    Thank you, William, for your review. We are thrilled Li Zhang was able to help you. Your review is very much appreciated.
    Sincerely, Chase
  • 5 out of 5
    Rating 5.0
    The people who helped me through the process in the Fort Collins Broadway branch Cherie Carter and especially Li Zhang. Without their expertise and patience it would have been much more difficult. And also Samantha in New York putting on the final touch. Leon J Schaefer
  • 5 out of 5
    Rating 5.0
    Li is amazing at her job. Of all the people I dealt with on my home buying experience (lenders, realtors, insurance providers), she was by the far the most knowledgeable and easiest to deal with. Not only that, Chase was the only company willing to give me a long-term lock. Everyone else overcomplicated what was needed and the process overall. Chase made it easy, fast, and brought me along. All in addition to a great rate! Huge thank you to Li and the rest of my mortgage team.
  • 5 out of 5
    Rating 5.0
    Please hire more employees like Li Zhang. She was amazing from start to finish, very professional, super knowledgeable, very prompt. She deserves additional awards. Our Realtor told us Li did a great job getting us (seniors) through the online process. Thank you Li, in Ft Collins.
  • 5 out of 5
    Rating 5.0
    Li was great! She responded to texts/questions immediately, even on the weekend!
  • 5 out of 5
    Rating 5.0
    Li Zhang and Shuli Zhang helped us with the loan of our current home purchasing. Due to the COVID-19 situation, a lot of regular communication methods can't be used, they still managed to keep us well informed through the whole process. They also tried hard to get the house closed successfully in this complicated market environment. We are very appreciated for their expertise and fast response, and are very happy as an Chase customer.
Displaying reviews 1 - 6 out of the 6 most recent

What Chase offers

Chase customers reviewing a home loan
Home loans
Whether you want to purchase a new home, refinance or access cash using the equity in your home, we offer a variety of options and expert advice to help achieve your goals.
Customer looking at the Chase mortgage application tool
Mortgage application tool
Get convenient online access to view and e-sign forms, upload documents, track your status and communicate with your Chase home lending team.
Customer reviewing Chase's MyHome dashboard
Chase MyHomeSM dashboard
Sign in online anytime after your closing for in-depth views of your home loan, taxes, insurance, neighborhood sales trends and more.

Frequently Asked Questions

When is it time to stop renting and buy a home?
When debating between renting vs. buying, you need to think about your lifestyle and finances. While renting can provide more flexibility, owning a home enables you to build equity in the property and may provide tax benefits.

Buying a home is a huge step, especially when you’re moving from renting to owning.
How can I get information on mortgage loan options?
At Chase, you can choose from several types of mortgage loans to finance your home purchase. A Home Lending Advisor can help you understand the differences between the various loan options so you find one that best suits your financial situation.
Once you understand what you want out of a home, determining your housing budget is essential. After determining a loose housing budget, you'll need to decide how much you'll be comfortable paying each month. Your real estate agent will help you find the right home based on all of these factors. Looking for more information? Read our guide on “How to Find the Perfect Home!”
What documents will I need to apply for a mortgage?
Traditional loans usually require documents that verify your employment, income and assets, and may include:
• Your Social Security number
• Pay stubs for the last two months
• W-2 forms for the past two years
• Bank statements for the past two or three months
• One to two years of federal tax returns
• A signed contract of sale (if you've already chosen your new home)
• Information on current debt, including car loans, student loans and credit cards
What is better: a fixed or an adjustable interest rate?
If you plan to be in your home for more than seven years, you may want to consider a fixed-rate mortgage, which offers predictable payments and long-term protection against rising mortgage interest rates. If you plan to be in your home for seven years or less, an adjustable-rate mortgage (ARM) could be attractive. Keep in mind that with an ARM, your monthly payments have the potential to go up each time your interest rate adjusts.
Current Chase Mortgage Rates

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required topay. Rates are estimated by state and actual rates may vary.

Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit.See estimated monthly payments

Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments

Chase customer shaking hands with a client

About Chase Home Lending

Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.

The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO) The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary. Rate, points and APR may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. FHA loans require an up-front mortgage insurance premium (UFMIP) which may be financed, or paid at closing and monthly premiums will apply. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR may increase after the loan consummation Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider. All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply. Home lending products offered by JPMorgan Chase Bank, N.A. The statements, views and opinions expressed about a product or service received are those of the customer. All results, outcomes, and experiences may not be the same for all customers. JPMorgan Chase Bank N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the information or opinions expressed.