Can I give 10 stars? First, they offer Costco members a flat $250 closing cost deal, and also offer lower rates than anyone around. Judging from the excellent reviews on the internet for so many of their loan officers, I would guess the culture at the bank is one of high energy, attention to detail, and making happy customers' dreams come true.
Jeff Hiller, the Loan Originator (NMLS #1017789) to whom we were randomly assigned, was in near continual communication with us and our realtor from the start--even assuring us on Memorial Day weekend that he was only a call or email away! He was absolutely the definition of Superb Customer Service and the bank should be very thrilled to have him represent them!! (And btw, I was "disappointed" at first that I couldn't request one of the other names I'd read in reviews and was assigned the first one who answered the call--Now I hope if I ever buy another house, I'll be able to have him again!!!
SERIOUSLY, we just closed tonight on a house and I am not exaggerating that without Jeff, we would have lost the deal. You see, we made a cash offer and had planned to get a mortgage after it closed, but decided that if it could close on time, we'd save fees from cashing in our IRA and not risk another imminent interest rate increase. After the inspections were complete we had two weeks until closing. The sellers would not agree to amend for a mortgage, but if it would close on time and if we'd cover any appraisal discrepancy, why would they care? (On the other hand, if it was late, they could and probably would keep our earnest money and pull the deal as it had been a bidding war originally.) Jeff said that since our financial situation was so clean, and I had most of the necessary docs at hand, he was confident we could close on time, and when the appraiser went out the very next day, we felt even more secure. Unfortunately...the appraisal was not complete and th appraiser was MIA--not returning any calls, several forms weren't accepted by the underwriter or were missing, and on the final day, we were about to lose everything!
With heroics and that almost non-stop attention, and a decision to sign and fund on the same day...it all came together! THANK YOU JEFF HILLER and NBKC Bank!!!