I have had Ryan work on two property refis for me and one for my mom. He is always trying to make sure you get the best deal possible, presents you with all of your options, and doesn't waste your time. He is direct and honest, professional and personable. He knows what he talking about and he understands the way creditors and lenders work. I found him by using Costco's refi services. There a few options to choose form, but NBKC bank had the highest ratings by far. Ryan got back to me the next day after inputting my information through the Costco site. He helped me with a refi last year (2019). When it was time to refi another property, I knew who to reach out to. Ryan remembered me from last year. He was extraordinarily helpful with my refi this year, and it was a real pleasure to work with him. While I was waiting for my loan to close, I referred my mom to him to help her refi a mortgage. She loves him, and he is a great pleasure to work with. If I lived in the same town, I'd probably invite him over to our yearly friends and family party. I cannot say enough good things about Ryan...completely Awesome guy!!!