After working with major banks in the past for my home purchases and refinancing, I can tell you in simple words that this has been the best experience. Easy flow, great communication, superior customer service, competitive rates, sound shared knowledge and team effort, excellent online tools for processing and documentation, etc. throughout all the process, from screening to closing the loan by NIck at NBKC bank. Very impressed. Thank you Nick and NBKC. Keep up the good work!