Kia Mohammadi spent two decades inside institutional lending — first at Citi, then at Bank of America, where he served as a Senior Lending Officer and earned President's Club recognition. Those years taught him exactly how banks underwrite, where they draw their lines, and why strong borrowers get declined for reasons that have nothing to do with their ability to repay.
Today, Kia leads commercial lending at Mortgage Globe and advises clients on residential financing across California and beyond. The combination is deliberate: a client buying a fourplex, refinancing a warehouse, and financing their own home shouldn't need three people who don't talk to each other.
On the commercial side, Kia structures financing for multifamily, mixed-use, retail, office, and industrial properties, matching each deal to the lender most likely to say yes on terms that work. On the residential side, he brings the same underwriter's eye to purchases, refinances, and investment property loans, anticipating the questions a lender will ask before they ask them.
Clients work with Kia because he tells them the truth early: what a deal will take, what it will cost, and whether there's a smarter way to structure it. After twenty years of seeing how lending decisions get made from the inside, he now puts that knowledge to work on the borrower's side of the table.