Kai Bike

Residential Mortgage Loan Originator
NMLS No. 215623

Office: 713.667.5301
Mobile: 713.816.1300

With over 18 years of mortgage industry experience, Kai Bike is vastly experienced in mortgage financing structure which allows Kai to provide viable mortgage financing solutions for his clients.  Kai’s client base ranges from first-time homebuyers to seasoned investors. 

Kai cares about his clients and, most importantly, is always willing to help whomever he can. He strives to make sure his clients have a positive experience and obtain loans that meet their needs. Kai takes the time to educate his clients and is always there when they need him. Treating everyone with dignity, respect and gratitude have been the keys to Kai's success as a loan officer. His commitment and communication skills are what drive Kai to be a successful loan officer. It is these skills that help Kai earn more referrals from his past clients.

Kai's promise to his clients is to make their experience at Republic State Mortgage exceptional and to always exceed each client's expectations. He is always available to meet or communicate with his clients any time. Kai and his team will proactively communicate with clients delivering loan status updates during the entire loan process. Kai and Republic's knowledgeable staff provide in-house processing, underwriting, closing and funding of loans. 'We are dedicated to providing the utmost in customer service because we want you to enjoy the loan process, tell your friends how much you enjoyed the process, refer your family and friends, and build relationships that last for years. Kai's business is 100% referrals from the clients and strategic partners he has built long-standing relationships with over the years originating loans.

If you are considering purchasing a home, building a new home, refinancing an existing home loan or taking some equity out of your home, please do not hesitate to reach out to Kai. He is always happy to lend advice and help you in any way possible. Kai's goal is to provide the best rates and service to earn your business and referrals for life. Let Kai give you a great loan experience.



Thank you so much for all your help.  I am very appreciative of everything you have done and will definitely refer you.


Kai and his team did an excellent job walking me thru it and keeping us on schedule throughout the process. Everything ended up as promised and on schedule.


Kai was extremely helpful guiding us through the home buying process. He was very knowledgeable, kept us on track, and worked through various issues when builder delays came into play. Overall, excellent job and highly recommend.


Kai is the most responsive person, from any industry, that I've ever dealt with. He typically responds to emails within 30 min, but most of the time, it's within 5 min. He answered any question I had even if it wasn't necessarily related to my mortgage. Kai Bike is one of the best!


Kai and the staff at Republic State Mortgage Co. were wonderful. From the very beginning they were kind, responsive, and very attentive. Kai made sure we understood the whole process and took the time to thoroughly explain everything and answer any questions we had. The whole team at Republic State Mortgage Co. made the tedious, scary, and long process of financing a house much easier!!


The experience with Kai as simple as can be in today's documentation driven environment. Kai communicated early the documents we would need to provide to secure our mortgage.


Kai, and the entire team at Republic State Mortgage, are fantastic people to work with. There are plenty of places online to search for low rates and get bombarded with offers, but if you are looking to work with a company that provides personalized service suited to your specific needs (and those same low rates by the way), there is no better way to go that RSMC. Not only was I more than satisfied with the service, but all I heard about at my closing was how proactive Kai was throughout the process. And that was coming from the title company and the realtor! No one has more interactions with lenders than they do and they couldn't say enough good things. Thank you Kai and team for making this a very painless process!


Kai did an excellent job making the buying process as easy as it could be for me. He kept me up to date on what he needed from me, and was there when I needed help. I would absolutely use Kai and the team at Republic again.


Kai and his team at Republic State Mortgage truly work hard and fast to make your homeowner dreams come true, especially in comparison to a large national bank. I would strongly recommend using Kai Bike. I received honest feedback and Kai managed my expectations correctly from the start to ultimately closing on my first home.


Kai is so wonderful and easy to work with. He is extremely knowledgeable, gave us excellent advice and guidance and is so patient. This was the second loan that he assisted us with and we would recommend him to anyone!


After hearing numerous stories about the stress of home buying and the loan approval process, I will filled with doubt and questions, but Kai was nothing but supportive, reassuring, and helpful throughout the process. He was always available to answer all of my many questions - even responding on weekends. Kai explained every step of the process in detail and made this closing an easy and enjoyable experience. I can't thank Kai and his team enough for everything they did to get me into an amazing first home!


Kai Bike did a wonderful job with our mortgage. He always responded quickly to any questions I had and his follow through on the process was exceptional. I will most assuredly use Kai for any future mortgage. PS This is the first time I had the lender present at the closing, very impressive.


Kai Bike guided me through the entire process will little stress on me. I fully expected an ordeal but was pleasantly surprised with the outcome. I will be recommending Kai and Republic State Mortgage to everyone I know.


Kai communicated to us from day one what materials were going to be necessary. He walked us through each step and was available almost anytime we needed to reach out. We were able to walk into signing day with confidence and understanding of what was to come.


Extremely professional, courteous and patient. As an expat purchasing a first home in the USA, the process and requirements were more onerous, but Kai and his team made the entire process painless. I would certainly recommend Kai to family and friends. Kai, thank you for your help in making our new home a reality.


After going through this tedious process before of obtaining a mortgage in New York City, I was amazed at how effortless it was with Kai and his team. He was incredibly informative and responsive every step of the way and he worked tirelessly to get my mortgage obtained within a very short timeframe. I could not recommend Kai and his team at Republic State Mortgage enough.


I'm a first time home buyer. I've heard over and over how complicated the process can be. Kai did a wonderful job of walking my wife and I through everything, making it all easy to understand. And he was patient as we asked a plethora of questions. I couldn't be happier.


I have been told by several people that they will "do whatever it takes to earn my business". Kai meant it. Kai took the time to answer all of our questions. He earned our business and our gratitude. Kai was a pleasure to work with. My husband and I were in a situation where we needed to find a new home immediately. Kai worked on Labor Day to get us the documents we needed to put an offer on our dream house. In fact, throughout the entire home-purchasing process, Kai went above and beyond for us. He answered our calls--even when they were late in the evening or on the weekend--and our questions. He truly has a gift for explaining difficult concepts to people who don't know much about them. He made the home buying experience much easier and more pleasant than we had ever imagined. We will certainly recommend Kai to all of our friends and acquaintances.


This is the second time my husband and I have selected Kai Bike to work with us to secure a home mortgage. We were impressed with his professional, timely, and encouraging strategies to educate us about the process for gathering all the necessary financial data to submit for his purposes. At each step, Kai effectively communicated with us, whether it is a need for further information or a confirmation of documents received. We will continue to highly recommend Kai to our family and friends wanting to work with a highly skilled professional in the financial field.


Thank you for doing such a great job for us. We have used you for previous transaction and we will definitely use you in the future not to mention referring any friends and family to you.  Thank You


This has been a long and complicated process for me but everything went like clockwork and much of that is thanks to you.  Thank you.

-VanWickler & Hogan

Thank you so much for everything you did to make our home buying process so easy and stress free.  You have been so great in walking us through every step of the process and we really appreciate having you on our team.  We would recommend you to any of our friends buying a house and hope to work with you again in the future.


Many thanks for the efforts you went through to get the loan closed for us.  Thank You.


Thank you for all your help in getting us smoothly through the mortgage process.


We can’t thank you enough for all of your help and guidance throughout this process.  We especially appreciate your time after-hours and on Labor Day.  We wouldn’t have been able to make an offer without all of your help.  So, thank you very much for everything! Kai, you have the invaluable talent of being able to explain really complex concepts.  Coupled with your willingness to go the extra mile, we have not only learned a ton but were able to by this home.  We could not have done it without you.


Thank you for all your hard work, support and attention with the loan to purchase our new home.  We certainly enjoyed working with you and the ease of the deal.  Thank you.


Thank you so much for making our new transition to the new house very easy.  We appreciate it.


 I wanted to send a note and express our warmest thanks for your help in securing our new loan for the Brinkman house.  Your guidance and expertise made the process easy! We would highly recommend you to any of our friends and family.  Your assistance has been invaluable!


Thank you for walking me through this process.  You made it an easy, informative process.  Thank You.


I can’t thank you enough.  Thank you so much for your work/help with my loan for my house.  Your prompt responses and direct responses to all my questions were so appreciated.  Also, thank you for going out of your way to help us capture all of the money the seller contributed to the transaction.  You were such a pleasure to work with and I have already recommended you to my friends looking to buy homes.  I really appreciate what you did for me.  You really do enjoy your job and you are so good at it.  Thank You.


Thank you very much for all of your help with our home purchase! We greatly appreciate it and thank you for your patience and understanding through it all.  Please also pass on our deepest gratitude to your processor for keeping us moving forward and helping us so much.  We really appreciate the hard work and we are so excited for our new house.


Working with Kai and his team made my home-buying experience infinitely better than expected. I have read several horror stories about difficult lenders and brokers causing delays and additional stress, but I never had to wait on Kai's team for anything. They were always two steps ahead throughout the process, and it made my closing experience go as smooth as it possibly could have. I am grateful to my realtor for recommending Kai, and would encourage anyone who is looking for a Mortgage in the Houston area to work with Kai. His rates are competitive with any other that you will find in the marketplace, and his level of service is exceptional.


This file was particularly difficult because there were probate issues and took a long time to close. Kai was incredibly patient as we waited for the courts and legal processes to clear up the property so Buyer could purchase.


Kai is extremely professional, proficient and easy to work with. He kept my wife and I well-informed and guided us every step of the way. Not only was our loan process seamless, Kai was able to get us funded and closed a week earlier than expected. Thank you!


Kai was responsive and made communication easy. We felt like he was on our team, and we were confident that he would search to get us the best rate possible.


Kai made the first time home buying process easy and manageable. I appreciate the open communication with him and that he took the time to meet us and guided our expectations. A big plus was that we were able to close a week early thanks to Kai. Highly recommend Kai!


Kai was very helpful throughout the whole process. Everything was explained thoroughly, and very detailed. He was always available to any questions or concerns that I had.


Working with Kai on our new mortgage was the simply the easiest part of the home selling and buying experience. It's the second time we've worked with him -- the first was a refinance -- and like before, he made the process smooth and successful.


Kai was very thorough in his request for my financial information. And I could deliver the docs via mail, email, or dropping off at their office. Kai's office was 5 minutes from my townhouse and very handy. Kai did a good job throughout and was especially at the closing/funding process.


Kai and his team are excellent at following up on every aspect of the contract/transaction. The level of communication with myself, and my client was greatly appreciated.


We were referred to Kai after a bad experience with a different broker that left us with limited time to close on time. The process with Kai was super smooth and fast and we were able to close much faster than I had expected.


We were delighted that you were able to close us so close to the original closing date with the previous mortgage company. Excellent work.


As a first time home buyer I wasn't sure who to go to. I needed someone that would provide some additional hand holding and guidance. Kai was suggested to me by my agent, after speaking to him I decided to give him a try. By the end of my purchase I couldn't have made a better decision! Kai provided monthly figures on properties, quick pre-approval letters and he responded to any email in a timely fashion...sometimes even on weekends. He kept my best interest in mind throughout the entire process and I always felt like my purchase was of importance to him and his team. I couldn't have asked for a better experience!


Dealing with Republic State Mortgage, and especially Kai, has been very easy and straight forward. I am the type of client that is very detailed and has a litany of questions. Kai responded to them in a timely manner and never seemed annoyed or frustrated. This is my second time using RSM and I will have no problem using them in the future.


Kai is always great with my first time buyers. There is a consistent level of attention and constant communication. My client was very please with how quick he responded to his needs. We had issues with the builders and Kai was very patient with us. My client's father spoke highly of Kai after only having email correspondence as well.


Excellent service. My case was kind of especial, Kai always acted diligently to find me the deal at the terms I was looking for. Also, he is very service oriented, polite and straightforward, his turnaround time was very fast and was always on top of all the pending items making sure we had all the documentation needed in place and on time.  


Our second time using Kai Bike as our mortgage company and he is very good in detail, timing and getting the job done. I would recommend him to anyone.



Houston, TX

2121 Sage Road

Suite 140

Houston, TX, 77056

713.579.7800 Phone

713.783.5391 Fax

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