To put in 1 word "Thorough". Expectations communicated upfront, no hidden agenda. If Brad K. says he can do it, believe me, he can! Everyone works as a team to get you approved. Would definitely use them again..
Reviews: nbkc bank
Reviews: nbkc bank
NMLS ID# 409631
Information is provided by the mortgage lender. Average closing time is calculated using lock to fund dates in 2017.
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PLEASE READ BEFORE USING THIS BANK. NBKC bank is about to take thousands of dollars from us. We reached out to NBKC bank for a new mortgage. They were advertising good rates at the time of 5.375% with a $650 credit. Pete reached out almost immediately after our application was submitted and received our loan proposal that same day on June 27th. At this point everything was fine, actually we qualified for a slightly better credit so we were pretty excited. One of the things we discussed with Pete during the initial call was the opportunity for a float down. This was important to us given the unpredictable nature of the market right now. We wanted to know we had the option to float down to a lower rate should they drop. We were told yes, as long as the rate drops by at least 0.25% and that the price would typically only be a couple hundred dollars and it is almost always worth it. THIS IS WHERE THINGS GET SKETCHY. On July 1st rates dropped and NBKC bank was advertising the same $650 credit for 5.000% (screenshots below of the rates I sent over to Pete). This is clearly a drop of more than the .25% they claimed was necessary, so I reached out to Pete at 11:24 AM MST asking him to get us locked in at the new rate using out one float down. Pete then claimed for the remainder of the day that he needed manager approval for the float down, but he couldn’t get a hold of him (also screenshots below)… So the end of the day comes after I had been pleading with him to get this taken care of before the holiday weekend and we have missed it. Pete called and told me that as long as he had submitted the request to his manager on that day they could go back and honor that rate. July 5th roles around and we haven’t heard anything back, fortunately, NBKC is still advertising the same deal. I reach out to Pete again, pleading to have our rate dropped. He replies that he still can’t get a hold of the manager. 20 minutes later he says he sent over a new proposal. THE RATE IS 5.125%!!! After everything they wouldn’t even drop us to the rate they were advertising! So now, they have dragged their feet to the point where I missed an opportunity to go with another lender and lock in at 5.000%, that is what I get for trusting NBKC. And to top it off they were adding almost $3000 in Closing Costs to float down to the 5.125%. This is getting insane! I text Pete (shown below) expressing my concern about the significantly higher closing costs and said it was my understanding that we would not be buying down a point (text below). Pete calls me and says that is was a mistake and he would get it taken care of. Our closing date is quickly approaching and we have no time to switch lenders or the desire to pay another $700 for a new appraisal. I swallow my pride and accept that NBKC has swindled me into 0.125% higher on my mortgage (which is already a significant amount of money over the lifetime of the loan). On Tuesday (7/14) we are going through out final documentation and I notice the $2800 charge to float down is still on our loan. I text Pete about it and he replies that he thought that is what we agreed upon? Why would I have written you on July 5th expressing my concern only to have you do nothing about it??? He had told me this would be taken care of, and shame on me for not getting it in writing, the fact Pete called me back instead of texting me is beginning to seem like a strategy. You can say whatever you want to someone’s face, but if its not it writing it just become a he said she said (and here we are). I ask Pete to speak with his manager. Here comes Brad. Brad tells me that Pete had thought my concerns about the added closing costs were regarding a credit missing from our loan proposal. I show Brad both the original and revised loan proposals, neither of which were missing the lender credit. To go even further, the lender credit isn’t even included in the Closing Costs section of load proposal so not sure how there was confusion. Brad then sends me a loan document from (7/6) showing the missing lender credit he claims Pete was confused about. WELL I SENT THE TEXT ON (7/5) AND SPOKE WITH PETE THE SAME DAY, CLEARLY I COULD NOT BE TALKING ABOUT A DOCUMENT FROM THE NEXT DAY?! Brad goes on to further explain to me on the phone that they are not willing to waive the float down fee as their margins are already so tight, they don’t want to lose money. YOU WANT TO TALK ABOUT LOSING MONEY?! Not only did I lose 0.125% on a rate I should have been able to float to, but now I am being charge $2800. Believe me, that $2800 is worth WAAAYYY more to me than it is to your bank. Since my response, Brad has gone radio silent, so here I am…. NBKC dragged their feet and prevented me from floating down to their advertised rate of %5.000 and then had the audacity to charge me $2800 to float down to %5.125. They are certainly not a “customer first” business and I hope this saves people the headache and money that NBKC has cost me.
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All member reviews (778)
looking for 250,000 dollar loan for 33 years to buy and purchase my first home, with minimum 30 percent income of each month and also add habitat home buyer program for 15 years for the same home price
Adam and NBKC bank did a great job with the loan application process and I got approved within 3 weeks. Adam is very responsive, knowledgeable, and transparent. All fees are reasonable and as expected. I would recommend NBKC.
The checking account at nbkc bank is a product of Betterment Financial in New York, NY. When one of their checking accounts is fraudulently charged, they will not side with their own customer unless the breach is obviously not the fault of the customer. Today's methods and capabilities of fraudulent practices include the cloning of debit/credit cards that are ignored by the nbkc. They will do a cursory "data dump" to gather the details of an alleged fraudulent transaction rather than conducting an investigation. The nbkc does not go out of their way to seriously consider the card owners dispute of fraudulent charges.
To be honest with you I didn’t know what to think at first I getting these lenders contact me from Credit Karma, but where I was all said and done I was surprised to find that I was able to get more from the lenders on this OK karma app than anywhere else, and Dan Kowalski from NBKC Bank was working above and beyond any other lender that I spoke and it took another three weeks after finding the house for him to get me the loan. If you get a chance, I would go for NBKC Bank the people there are amazing, efficient, loyal, and will do anything to get you that loan. Dan, I appreciate everything that you’ve done and would love to soon touch base with you on the remodel and all of this was not possible if it wasn’t for your diligence and persistence in getting this app through your underwriters.
Marc Banham was amazing even with a pain in the neck seller and incompetent realtor
Aaron was extremely helpful. He went above and beyond for us. He answered many questions from us first time home buyers and even helped in what was a unprecedented buying experience. HIGHLY recommend.
Very smooth first home purchase experience! April Richmond was knowledgeable, responsive and patient in helping me obtain my loan. There were no surprises because April talked me through every step and answered every email and call holding my hand through the frequently anxiety inducing process.
It was an absolute pleasure dealing with Susan Koetters !!! She closed me with the most difficult situation in my job income She never gave up and pulled it off Thank u NBKC bank!!!!!!! 5.625 interest rate!!!!
It’s more convenient it’s easy to make use it well organized
I'm really happy with NBKC Bank Angela Jean Brown by name Thank you for your understanding
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