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Why nbkc?

Starting the homebuying journey can be a daunting task — but you’re never alone with nbkc. See how we can help you turn a dream home into a reality.

Feel right at home purchase
  • We’re upfront and honest about fees and costs
  • We do all of our processing in-house to make the process super smooth
  • Our all-online applications are easy to fill out, saves you from collecting stacks of bank documents and gives you more time house hunting
  • You’ll get real help from a real person every step of the way

Home sweet (first) home


Ready to roll?

Pre-approval gets you movin’

Getting a pre-approval letter from nbkc lets sellers know you’re a serious buyer. It’s a crucial step in the homebuying journey because the letter proves that you have a lender supporting you, can afford the offer you made and will have a smooth closing.




Pre-qualification is the first step in getting pre-approved. It gives us a high-level overview of your financial situation — including your income, assets and any debts. Pre-qualification gives us a good idea of your creditworthiness and an estimate of how much you can borrow.

$5K Close-On-Time Guarantee

$5K Close-On-Time Guarantee

Our $5k Close-On-Time Guarantee pays both the seller and the buyer $2,500 if we don’t close the loan on time. We get down to business. Fast.

Types of home loans

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

  • Interest rate remains the same throughout the loan
  • Allows for easier budgeting - the payment is the same each month
  • Loan payments are not affected by inflation or fluctuating interest rates

The most common mortgage type is a 30-year fixed-rate mortgage. Many buyers choose the mortgage because it provides a lower monthly payment and potential savings on interest over time.

The 30-year fixed-rate mortgage is a great choice if you plan to stay in your home for many years.

We also offer adjustable-rate mortgage loans. Our most popular ARM loans have a fixed-interest rate of five years. An ARM loan may be the right choice for you if you plan on moving prior to the date that your fixed-rate ends. Consider the following.

  • Are you planning on selling your home before the fixed-rate term expires?
  • Do you plan on incurring 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 federally insured by the US Housing Administration. It’s a good option if you have a fair-to-good credit score, want to use less out-of-pocket cash than most conventional loans or do not qualify for conventional financing.

  • FHA loans are a smart choice for first-time home buyers
  • Down payments can be as low as 3.5% of the purchase price
  • Loan options for those with low-to-moderate income
  • Available for refinance of fixed and adjustable-rate mortgages

Generally speaking, FHA standards are not as strict as other loans when it comes to mortgage insurance. Our FHA loan specialists are fully trained in the HUD-insured loan industry — so they can help you find information on guidelines to determine if you qualify for an FHA loan.