After contacting four different lenders, I got in touch with Matt because of a Costco member benefit on my home refinance. He was able to quote me a better rate, lower closing costs, and restructure our home loan to get the most out my wife and my credit scores. Not only did he blow the other lender's numbers out of the water (partly thanks to the Costco perk), he did it on the first go around. A local lender tried to match the loan details Matt offered and came close, but only after I was able to use Matt's numbers to negotiate. I greatly appreciate being offered the best possible options for something as long lasting as a home loan right away, instead of having to negotiate my way to a best case scenario. Credit to Matt and NBKC for doing their job the right way, at the right time, and with the right kind of attitude. It was a pleasure working with Matt and I've already recommended him to close friends who are looking to refinance. The guy can't be beat as far as I'm concerned.