Home loans
don’t have to be
a headache.


why nbkc?

We know you could choose any other lender to help you get a mortgage. And maybe we’re a little biased — but we think you’ll like what we have to offer.

Here's why:

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5k gurantee

$5k Guarantee

Our new $5k guarantee means you can rest easy knowing we’ll close your loan on time ⏤ guaranteed. If we don’t, we’ll pay you and the seller $2,500 each.

    What’s in it for you?

    • A 5-star team dedicated to closing your loan
    • Another great incentive for your seller to accept your offer
    • $2,500 each to keep if we don’t follow through on our promise

    That’s it! We close on time or we pay you ⏤ guaranteed.

Pre-approved gets you moving

Value of an nbkc pre-approval letter

A pre-approval letter from nbkc lets the seller know you are a serious buyer. The letter proves you can afford the offer you made on the house — and that you have a lender supporting you. A pre-approval letter communicates to the agents and sellers that the closing will go smoothly and quickly.


This is the first step in getting pre-approved and gives us a high-level overview of your financial situation, including your current debt, income, and assets. The process is relatively quick and the outcome is determined by the information you provide ⏤ so it's in your best interest for it to be as complete and accurate as possible to get the best results. A pre-qualification gives us a good idea of your creditworthiness and an estimate of how much of a loan you'll qualify for.


A pre-approval is a much more in-depth process that involves completion of an official mortgage application and an extensive review of your financial background and credit rating. We'll pre-approve you up to a specific loan amount, which will give you a good idea of the interest rate you can expect once you borrow.

Types of loans

nbkc offers fixed mortgage rates for 10, 15, 20, 25, and 30-year terms.

  • Interest rate remains the same throughout the loan
  • Easier budgeting, as the payment is the same each month
  • Loan payments are not affected by inflation or fluctuating interest rates

Many buyers choose a 30-year, fixed-rate mortgage from nbkc over our 10, 15, 20, or 25-year mortgages. The 30-year, fixed-rate mortgage is popular, because it provides a lower monthly payment and potential savings on interest over time.

If you plan to stay in your home for many years, the 30-year, fixed-rate mortgage is a great choice. Ultimately, the loan you choose will depend on your financial situation and other home ownership goals as well.

Our most popular ARM mortgages have a fixed-interest rate of five years. An ARM loan may be the correct choice, if you plan on moving prior to the date that your fixed-rate ends.

  • Are you planning on selling your home before the fixed-rate term of your home loan expires?
  • Do you plan on accruing more debt? If so, will you be able to afford the ARM loan payments if your interest rate increases?
  • Do you anticipate an increase in your annual income that could cover any increase in your ARM loan payment?

An FHA loan is a good option if you have a fair-to-good credit rating and are looking for an option requiring less out-of-pocket cash than most conventional loans. If you do not qualify for conventional financing, an FHA home loan may be your key to home ownership.

  • First-time homebuyer advantages
  • Down payments as low as 3.5% of the purchase price
  • Loan options for those with low-to-moderate incomes
  • Available for refinance of fixed and adjustable-rate mortgages

Generally, FHA standards are not as strict as other types of loans pertaining to mortgage insurance. nbkc FHA loan specialists are fully trained in the HUD-insured loan industry. We can help you find information on FHA guidelines to determine whether you qualify for an FHA Loan.

Obtain an FHA loan mortgage quote.

Learn more about types of mortgage loans.

  • Do you have all of the necessary documents handy for the loan process?
  • Have you checked your credit and corrected any problems on the credit report?
  • In your search for lenders, have you looked for reviews on the lenders whom you are considering?
  • Have you contacted lenders and asked them about their rates, terms and fees?
  • Have you kept track of the rates, terms, and fees for comparison?
  • Have you made sure the lenders can loan in the state in which you are buying a home?
  • Have you compared all of the lenders you contacted and asked for further references?
  • Have you chosen a trustworthy lender and received a pre-qualification?
  • Have you started house hunting?
  • Have you completed the loan application?

Obtain an FHA home loan quote.

Learn about other types of mortgage loans.

Rates change. Reviews are forever.

“Lori was awesome, super quick to respond and the most professional of all the lenders I reached out to. She had me closed on time and was always available with updates and kept us informed. We had some issues with title company employees not knowing how to do their job and Lori helped us through that and was the only reason we were able to close on time.”

Kevin from Austin, TX

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