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About Nick Kays
Advice for New Home Buyers
Purchasing a new home can seem more overwhelming than ever but finding that right Loan Officer that you can trust, that communicates constantly with you and that you know will do the right thing every time is everything. A Loan Officer that you can 100% trust to refer your family and friends with.
Superb rates and support!
“My wife and I recently bought a home with the help of our loan officer, Nick Kays, and his team at NBKC and we absolutely loved the service we received! They had by far the best rates (and customer service) for our VA Loan needs! We originally met with Nick on our realtors recommendation after we received what we suspected were less-than-optimal rates from another lender. Sure enough, Nick blew them out of the water. Then he followed it up with the most individualized and attentive service I’ve ever experienced with a bank. He worked with us throughout the home-buying process; crunching numbers late at night or early in the morning depending on whichever time zone I was in at the time, Nick was always available to us. He was candid in his view of rates and helped us lock in at the just right time once we had found our dream home. Then, he checked in on us throughout the closing process, which he and his team made seamless for our funding. We won’t be going anywhere else for future home loans. Thanks for all of your help Nick and NBKC!”
—Ryan Z from Niceville, FL
Straight answers
“I’m a customer who needs to know the details of a deal. I’ve been overcharged for service in the past and I have a more questioning attitude about loans than I did when I got my first few. It often seems combative but asking questions is just about transparency. I don’t like generalities or redirection. Nick hit the ground with honest and helpful answers and he didn’t shy away from facts even when the answers were not as I would have liked them to be. The loan had low fees and while the balance sheet could have been more clear and less bloated; my comparisons with competitors revealed that NBKC was offering a good deal. Nick was willing to look up answers rather than give me platitudes or avoid the topic. He also responded quickly or within reasonable times. This isn’t something I regularly experience; Nick is serious about keeping you informed and guiding you through the deal. You won’t be disappointed if you choose him. ”
—Dan S from Mineral, VA
Great Experience from Start to Finish
“My wife and I recently decided to refinance our mortgage and got connected to Nick when we were shopping rates. Nick blew the competition away with his service and commitment to helping us get the best rate we could. He was available, willing to talk on the phone, and answered my questions from start to finish. Great, motivated guy to work with. We highly recommend!”
—Scott K from Manassas, VA
Nick Gets It Done!
“Repeat customers of Nick, we trust him to get us the best deal. He's extremely responsive and no question goes unanswered. Thanks Nick for taking good care of us!”
—Brian& Deb Foley from Yorktown, VA
“Outstanding Support for a First-Time Homebuyer – Highly Recommend!”
“As a first-time homebuyer, I had the pleasure of working with Nick Kays to finalize my home purchase, and I cannot recommend him highly enough. He was consistently professional and responsive, answering all my questions via email, text, and phone calls promptly and thoroughly. What truly stood out was his initiative and dedication to keeping me updated throughout every step of the process. His transparency was exceptional, ensuring I fully understood each detail along the way. He worked with an impressive sense of urgency to meet the closing deadline without compromising on accuracy or quality. One of the most remarkable aspects was that my closing costs ended up below the initial estimate—a testament to his expertise and commitment to delivering the best outcome. I genuinely appreciated his personal interest in my case, which made the experience smooth and stress-free. If you’re looking for a knowledgeable, reliable, and client-focused loan officer, I wholeheartedly recommend Nick Kays. I will absolutely keep him in mind for any future needs!”
—Lizet Lopez from Henderson, NV
Excellent from start to finish!
“Delighted to work with Nick from quote through to closing. He was extremely responsive, always helpful, and gave us valuable info along the way. Will go with Nick again!”
—Daniel Harris from Hampton Bays, NY
Nick is the best!
“From start to finish, Nick was set on finding me the best prices and explained everything to where I understood what I needed to do. He made this process so easy and I would recommend him to anyone I know trying to buy a house. He is very friendly and easy to talk to and makes you feel like your his only client. ”
—Jason Stokes from Tinley Park, IL
Exceptional Loan Refinancing Experience with Nick Kays!
“I recently had the pleasure of working with Nick Kays to refinance my loan, and I couldn't be more impressed with his service. From start to finish, Nick was incredibly helpful and proactive. He ensured that the entire refinancing process was completed in just two weeks, which was incredibly difficult. Nick guided me through every step, answering all my questions and providing clear explanations. Not only did he offer me the best rate, but he also made it possible to close on my house within the two-week timeframe, after my previous lender had screwed things up. His professionalism and dedication made the experience smooth and stress-free. I highly recommend Nick Kays to anyone in need of a reliable and efficient lender. His expertise and commitment to his clients are truly outstanding.”
—tejas patel from Trenton, NJ
NICK IS THE MAN!!!
“Working with Nick was great and couldn’t recommend him anymore. It was such a smooth process and communication was top notch. I am looking forward to working with him in the future. ”
—Vijy Seedan from Stafford, VA
Best Mortgage Experience Ever – Closed in 30 Days!
“Working with Nick Kays at NBKC was hands-down the best part of our home buying process. From day one, he was on it—organized, responsive, and two steps ahead the entire time. We closed in just 30 days without a single delay or extra document request. Everything was smooth, fast, and completely stress-free. He was able to secure the lowest rate among many competitors that I was constantly cross checking against. What really set Nick apart was his amazing energy and positive attitude. He was upbeat, professional, and genuinely excited to help us. He made the whole experience feel easy and personal, not like just another transaction. If you want someone who’s efficient, dependable, and a total joy to work with, go with Nick Kay’s. He is the best in the business! ”
—angbell22 from Glen Allen, VA
Get to know Nick
What is your motto or personal mantra?
Give 150% every day in your life because you don’t when it will be your last.
What is your favorite sports team?
Kansas City Chiefs/Golden State Warriors
What is something that people would be surprised if they knew about you
I played collegiate and minor league baseball.
What’s your alma mater?
Southwest Missouri State
What is on your bucket list?
Travel to Ireland/Europe.
What aspect of your job are you most passionate about?
I am truly passionate about helping individuals achieve their dream in homeownership and building lifelong relationships.
Where did you grow up?
Kansas City
What are some of your hobbies?
Sports, music and hanging out with family and friends.
Before working at nbkc, what was the most unusual or interesting job you’ve ever had?
In college I played in the Cape Code Baseball Summer League in Massachusetts, and we had to hold jobs during the summer. I worked for a landscaping company, and it was a great experience. The houses were beautiful right on the ocean.