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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
Nick was great and super responsive!
“Nick was great to work with! He provided the best information in the decision process, was very clear and open about all the details and did not seem like a salesman but rather seemed interested in having nbkc continue to help service my family's needs. I was always able to email, call or text Nick and get a response. I had some legal paperwork issues that Nick handled and made sure they still came through on time. It was great working with Nick and his team to get this done - a HUGE stress handled! Many thanks”
—Edward Beck from Mckinney, TX
Very responsive and helpful!
“Nick made buying our first house as painless as possible. He was extremely easy to communicate with, and would answer any silly question I had within the hour. I would highly recommend him to anybody! ”
—Casey Vizenor from Oakland, CA
Highly recommend!
“Nick was extremely helpful during the entire home buying process. We had a short closing window and he made it happen! He was very responsive to phone calls/emails and he caught multiple issues which saved us a lot of money! During closing our realtor and the seller's realtor mentioned how great our interest rate was - that was so reassuring! ”
—meghan ackerman5 from Harrisburg, PA
Exceptional lender experience from start to finish
“Nick was outstanding throughout our entire home purchase process. He was incredibly responsive, knowledgeable, and patient, especially when walking us through detailed closing documents, insurance questions, escrow items, and title-related nuances. He proactively caught things, explained them clearly, and made sure everything aligned with our contract so there were no surprises at closing. What really stood out was Nick’s communication. He was always available by text or email, explained complex topics in a way that actually made sense, and kept the process moving smoothly even as we got close to closing. He worked seamlessly with the title company and made sure every detail was correct, which gave us a lot of confidence going into closing day. This was one of the smoothest mortgage experiences we’ve had, and that’s entirely because of Nick’s professionalism and attention to detail. I would absolutely recommend him to anyone looking for a lender who is thorough, trustworthy, and truly on your side.”
—Craig from Wesley Chapel, FL
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
Excellent Experience - home closed
“My partner and I had the pleasure of working with Nick Kays at NBKC Bank who was referred to me by a friend. Nick was knowledgeable, communicated well, and was very timely through the whole home loan process. He made us feel like we were in it together and was looking out for my best interests. I was a first time home buyer with lots of questions and Nick happily addressed them all. Nick had a great sense of loan trends and advised us to lock in our rate at the most oppertune moment. While we have no intention of taking out another home loan anytime soon, we would definitely work with Nick and NBKC again.”
—Alex from Portland, OR
Prompt and Professional
“Nick provided extensive knowledge and analysis for the VA loan process as a first time home buyer. His knowledge and experience were unparalleled and made the process seamless from start to finish. Nick is truly a professional and I would not hesitate to recommend him for anyone looking to purchase a home. I was able to close in 30 days without a single delay and Nick answered all of my questions and concerns along the way promptly. ”
—Alexander chastain from El Paso, TX
Exceptional Service
“Nick was absolutely exceptional throughout our home buying experience. His knowledge, professionalism, and genuine kindness made the entire process feel seamless and stress-free. He took the time to ensure we understood every step and was always available to answer questions. I highly recommend working with Nick and the entire team at NBKC Bank, they truly go above and beyond.”
—Alexis Woolum from Lynn Haven, FL
Expertise, Integrity, and Outstanding Service
“Nick was, without question, the highlight of our entire home-buying experience. In an incredibly competitive seller's market, he consistently made our lives easier when it felt like everyone else was making the process more complicated. He combined deep expertise with highly competitive rates and, more importantly, provided thoughtful, actionable solutions that ultimately put more money back in our pockets. What truly sets Nick apart is his responsiveness and commitment to his clients. Every single time I needed him, he was there, day or night. He was always just a phone call or text away, and I never once felt like I was inconveniencing him. He's exceptionally knowledgeable, but what impressed me most was his ability to explain complex mortgage concepts in a way that was easy to understand. He took the time to answer every question thoroughly, never rushed a conversation, and patiently walked me through the finer details. As someone who pays close attention to the fine print, I genuinely appreciated the hours he invested to make sure I fully understood every aspect of the process. Throughout the transaction, Nick communicated with us daily, keeping us informed of interest rate movements and advising us on the best time to lock our rate. His diligence, attention to detail, and proactive communication ensured we closed on time without any unnecessary surprises. Beyond his professionalism, Nick is simply an enjoyable person to work with. He has an authentic, personable approach that never feels scripted or corporate. In fact, there were times I'd call him just because I genuinely enjoyed talking with him and wanted to catch up & pick his brain! Certainly not something I imagined myself doing at the beginning of this process... I work in a client service industry myself, so I have exceptionally high standards for communication, responsiveness, and professionalism. Nick didn't just meet those expectations, he exceeded them in every possible way. If you're looking for someone who is knowledgeable, trustworthy, responsive, and genuinely invested in helping you succeed, I cannot recommend Nick highly enough. I will absolutely be referring every friend, family member, and colleague I know who is entering the home-buying market to him.”
—Andrew from Norwalk, CT
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.