When interest rates dropped in March, I went to Costco Services to check things out. NBKC Bank had the best rates, so I clicked on the link, answered a few questions and Cheryl called moments later. I’m 81, have been a homeowner since the ‘60s and refinanced numerous times. This was by far the best experience I’ve ever had! Except for the masked and gloved notary who came to my home to have me sign the final documents during the pandemic (California didn’t accept electronic signatures on closing documents at the time), everything was done online. When there was (the only) glitch, which dealt with master insurance documents at my condominium’s HOA, Cheryl was right there taking care of it and keeping me informed at every step. I can’t imagine ever refinancing again at my age, but believe me, I’m telling everyone I can that if they want the process to go quickly and perfectly, NBKC Bank and Cheryl Kroll are definitely the way to go!