Mr. Sediqzad made the refinance process as easy as clicking a mouse. If he and NBKC cannot complete your loan it can't be done. If you want to put your search for a refinance or a mortgage in the hands of a seasoned professional Zach is your guy. He is calm, knowledgeable, and knows how to get it done..period.. At closing, the numbers came in as expected, the process was simple, and we closed on-time. Their offer was so good a Rival paid me $250.00 dollars because they were unwilling or unable to match it. As Mr. Sediqzad would say, and I quote "Perfect".