Advice for New Home Buyers
Take the plunge, it's a wonderful investment and having owned a home for 20 years it's nice being able to raise a family in a place you can call home.
“NBKC Bank was highly recommended and we’re so happy we got to work with Ryan. We wanted to close in 30 days and Ryan made it happen. My husband and I have bought and sold a few houses and this was easily the smoothest, most efficient loan approval process and closing either of us have ever had. Any time we had a question, Ryan always responded quickly, plus he got us an incredible interest rate. NBKC is a great bank with the amazing loan officer Ryan Caldwell. Have Ryan process your loan approval - you won’t be disappointed.”
—Jenny Fleming from from Orlando, FL
“Ryan is the best loan person I have ever worked with in any capacity. I first contacted him on a Friday night, not expecting a response until Monday. He responded right away. In fact, I never had to wait long for a response from him on anything, I couldn't believe it. He is very kind, extremely knowledgeable and resourceful. This was for a refinance but I wish I had known about him for my initial loan. He made an otherwise aggravating process seamless. I can't recommend Ryan enough.”
—Ginger Smith from from Houston, TX
“Ryan was very helpful, quick and neat. He is a passionate and dedicated worker. My case completed in 2 weeks without any complicated requirements. Thank you Ryan for all you do!”
—Huynh DinhThi from from Springfield, VA
“It was a pleasure working with Ryan. As a first home buyer we had many questions and Ryan addressed all of them with patience. He is very professional and We highly recommend him.”
—gari004 from from Edison, NJ
“Ryan was very professional and patient. He responded quickly to questions and emails. He quickly worked our loan and had the paperwork to us to sign promptly. I would highly recommend him for your home loan needs.”
—jthambright from from Pensacola, FL
“We used Ryan to purchase our first home and again when we refinanced. He has been a pleasure to work with and answered any questions we had very quickly.”
—zuser201703300746426 from from Wesley Chapel, FL
“As a first time home buyer Ryan was great to work with. He took the time to explain the process of buying a home to me and helped me calculate what I was able to afford. Ryan set me up with great loan for a first time home buyer with a great interest rate. He was very easy to get ahold of and kept me informed throughout the loan process. I personally would not want to work with any other Lender than Ryan and would most certainly recommend to all my family and friends.”
—Will mcdermott from from Kansas City, MO
“As first time home buyers, Ryan was super helpful and quick to reply. Very easy to work with and he was able to get us a great interest rate and low down payment. Would recommend”
—Tom from from Florence, AL
“Had a great experience with Ryan as my loan officer. We had a seamless quick closing and even though we were in different time zones Ryan was very responsive at all hours of the day. We closed on time with no issues. Ryan kept us informed through the whole process and was great to work with.”
—Rachel C from from Moorpark, CA
“As a loan officer Ryan was good. I would give 5 stars to him personally. NBKC's underwriters were another story. I have purchased, sold and refinanced numerous homes in my lifetime and by far, this was the worst experience I have ever had to deal with as far as lenders go. The requests for financial documents was never ending. there were 70+ documents that had to be uploaded. If you're dealing with a financial institution, you would think they would understand the difference between personal taxes being filed on a calendar year basis and a corporate tax returns that are filed based on a fiscal year. Had to explain how the HVAC industry is a seasonal business and a majority of our revenue is made in the summer. Corporate tax returns showed a profitable business each year. A justification response was required for income amounts because the underwriter didn't see an exact deposit for my paycheck being deposited in to my personal accounts. I had to explain, my wife's check and my check were deposited together and you had to add them together to see the deposit amount. The list went on and on. Mind you, we put over 30% down, 800+ FICO score, debt to income ratio very low, plenty of liquid assets. So in closing, the loan was funded and I would use Ryan again, but not NBKC. Pack your patience if you do. DISCLAIMER: Closing date being delayed was not due to the lender, caused by seller related delay.”
—Pat L from from Council, ID
The customer always comes first.
Growing up in Nebraska, I am a die-hard Husker fan, but after relocating to Kansas City I have become attached to the Royals and Chiefs.
I studied Marine Biology on a small island off the coast of Alaska in college.
So many things are on my list but spending time in Scotland and Ireland tops the list.
I love to help people realized the dream of buying a new home or helping them refinance and save money!
I love to spend time with my family traveling, golfing, fishing or just shooting hoops in the driveway.