Advice for New Home Buyers
Be prepared, not scared. Which seems broad and is intended to be so. You could be asked for more than you ever thought was necessary which is part of the process. The more you can gather, ask and understand upfront, the easier it is when the ball gets rolling. Enjoy the ride, you are about to achieve one of the American dreams, home ownership! It’s a big deal!
“Purchased a house and discovered about NKBC via Costco. Ty was straight forward and transparent regarding fees and process which is a must for me. I was happy with my decision to go with them.”
—Andre from from Washougal, WA
“First and foremost, Ty was able to get me the lowest rates after lots of shopping around. He was supportive and accessible from start to finish, never patronizing or impatient in the least. He even brought a sense of humor to my refinance at times. It was truly a pleasure working with Ty.”
—andrea matthiessen from from Portland, OR
“I was at the end of an excruciating and stressful divorce, when I met Ty and I have to admit I wasn’t being as cooperative as I should’ve been, but this extremely professional, kind and knowledgeable man, got me through this most difficult process with my sanity relatively intact. And I think him from the bottom of my heart for being so patient with me and for understanding for the most part what I was going through and why I was being so difficult to work with. I would most definitely recommend Ty every time for this process and I have grown to totally respect him in every way and I am thankful and grateful that he came along and was able to get me through what I thought was the most difficult financial experience I have ever had because I have never had to borrow this much money before and I didn’t know anything about this process until he came along and educated me with great patience and kindness and I thank him from the bottom of my heart for everything that he did for me.”
—HowardMiller21 from from Brentwood, TN
“I am so happy that I learned of the Costco finance program and was connected with Ty at NBKC. From the start Ty made the entire process easy. He was always quick to reply to questions and despite my best attempts, I never stumped him. His customer service is as good as it gets and so is his attention to detail. He easily navigated as my preferred communication methods varied depending on my own schedule. I never felt any pressure and always felt taken care of. He even pointed out that for a $55 fee I could upgrade my Costco membership and therefore save $300 in mortgage fees. You would be hard pressed to have a better experience with a mortgage or refinance.”
—James Anderson from from Wilmington, DE
“I feel fortunate to have been assigned Ty Swarts of NKBC bank. He answered all my questions, steered the process in the simplest and most efficient of ways. This is my 4th mortgage and I believe this one had the easiest process. I compared rates, and even my good friend couldn’t give me a rate as good as theirs. Further, the fact the bank was upfront in telling me they were going to sell my loan (the three previous were also sold), is appreciated as it seems transparent.”
—user57963624 from from San Antonio, TX
“I feel so lucky to have been assigned to Ty Swarts of NBKC bank. He answered all are questions for my husband & I. It was our first time refinancing our home so we had a lots of questions and concerns. He always was available to answer all our doubt on this process. Thank you so much for all the help!”
—Pavely Ruiz from from Bethlehem, GA
“We came across NBKC thru Nerd Wallet and we felt so confident to work with Ty from the get go. We had some hiccups (not his or NBKC's fault) with the appraisal, but Ty guided us and help us on it as if he was our agent and attorney. Not only that but he was working on our file on weekends, holidays, and even on his days off. I would recommend anyone to work with him and this lender. Adding to all this, the digital experience is so seamless and fast with NBKC that do not see who can compete with them on how the process moves along that quick.”
—Diego C from from Wading River, NY
“We originally went with nbkc for the financing on our permanent loan from our construction loan through Costco. Even though out of state online lenders can be sketch, we trust Costco. We were lucky enough to get Mr. Swarts as the trustworthy, attentive, knowledgeable and determined captain of our real estate sale/construction loan/permanent loan ship. I cannot think of one wave in the journey that was caused by him or his team. He patiently steered us though a most stressful transaction and we landed happily with our locked in (an extended 3 times) rate at the doorway to our forever dream home. He knows how to break out the comic relief when the going gets tough and we can't thank him enough. It was a seamless, transparent, by the book experience and we highly recommend Mr. Swarts and his team.”
—JCBaretta from from Laurel, MT
“I would recommend Ty to anyone! He was able to get us the lowest rate by far and he was a pleasure to work with. He was so responsive, even on nights and weekends, which was so important for us because we had a really tight timeline from start to finish. Since we were first time home buyers we had a lot of questions and he explained everything to us with patience and kindness. We were grateful we had such a great person on our team throughout the home buying process.”
—Briana Palmer from from Sandy, UT
“Ty was amazing to work with. He was supportive and accessible from start to finish. He spent the maximum amount of time in the past 3 days before my closing to do all the things to get me into my house when it seemed the builder and HOA were doing nothing to help. He also moved my closing date early at the very last minute as per my request. He is great at what he does and I would definitely recommend everyone to work with him.”
—Bhavya Shah from from Austin, TX
Do the little things now, it will help with the big things later.
Kansas State Wildcats Football
Attend the Masters Golf Tournament, watch a football game in the Big House and a few other locations.
Cliché as it might sound, getting new house keys in my customers hands. Truly nothing more enjoyable than that first phone call after documents have been signed and they own their new home.
Osage City, KS
Kids (triplet teenagers require some attention), golf, sporting events, mainly KSU Football
While at Kanas State, I was an equipment manager for the football team and my gameday job was to hold the headset cord for Legendary Hall of Fame Coach Bill Snyder. So, I have many miles logged walking side by side with Coach up and down that sideline hearing every word spoke into his microphone and every play as it was relayed to the team.