Important Notice for Commercial Lending Customers: Effective August 1, 2017, First Liberty Bank will change the cutoff time to request a loan advance from 5:00 PM to 3:00 PM CST. Please call us at 405.608.4500 if you have any questions.


Khadija Mirza, Senior Loan Officer


4071 Port Chicago Hwy, Ste 120

Concord, Ca 94520

925-856-9787 or 925-858-9671


Khadija is a Senior Loan Officer in the Concord, California branch of First Liberty Bank Mortgage Division. Her name is Khadija, but her friends and colleagues call her Kay. Since childhood, she has been a very social, outgoing person who loves helping other people.

With a bachelor’s degree from St. Joseph College, Pakistan, Khadija worked in sales and marketing in Dubai UAE for 5 years.

She began her mortgage career in the wholesale mortgage industry in 2007, transitioning to the residential mortgage area in 2010. She has dealt with hundreds of clients over the years and, as a result, has developed a creative, out of the box style of thinking her customers appreciate.

She has extensive experience in Conventional, FHA, VA and Jumbo mortgage lending. Although the changing mortgage industry guidelines can be challenging, she is not deterred and takes great pride in being known for her dedication and outstanding customer service. Her primary goal has always been to provide the ultimate borrowing experience to her clients.

Please don’t hesitate to contact Khadija with your questions about the mortgage lending process. She is looking forward to helping you.