I don't often write reviews, but this is so deserved I really need to. I actually did not initially select NBKC for my loan because after I received very competitive rates from Allen Mische the first time, another bank came in and made what appeared to be a better offer. Unfortunately, I learned the hard way that lenders can't always be trusted and as promises were broken by the other bank, I reached out to Allen Mische at NBKC again and asked if he would update the current rates he could offer. I had the new rates right away without the pressure and stress that I had gotten with other banks. He put everything in writing (usually without my needing to ask) so unlike the previous experience I knew exactly what was really being offered. After what had happened with the other bank, I was very hesitant to trust a lender, but Allen was incredibly honest and responsive so I really didn't have anything to worry about. I emailed him many times and always got a quick and very helpful response. Generally he would give me the clear answer, and then also send along a document where I could find the information. At the beginning, he took the time to walk me through the options for the loan, really explained everything and helped me do some simple calculations to decide what made the most sense for me. This was quickly followed up with a detailed written disclosure that matched exactly what we had discussed and never changed throughout the process. The rate was very competitive and the closing costs and service were unbeatable. The process itself was also easier - it seemed like he did the work for me that other banks expected me to do, leaving fewer documents and details for me to find. Everything moved very quickly and smoothly and the continuously helpful and patient responses to my questions were very reassuring. Please note that the questions I had came from my previous bad experience, there was really nothing that confusing about the process that needed to be explained. The hybrid closing made things very easy (and Allen even answered my email first thing Sunday morning when I got confused while reading through the paperwork ahead of the closing - like I said, he was very patient with me!). The notary that came to my house for the last bit of paperwork was also very kind and helpful. I would not hesitate to recommend Allen Mische and NBKC. I am really grateful that I found someone honest and trustworthy to deal with.