We've worked with Cheryl on three separate occasions, the most recent one being a cash out refinance. Cheryl is the consummate professional: efficient, knowledgeable, and responsive... plus a great personality! When it was time to refinance, I simply looked Cheryl up online, discovered she was working with NBKC, and sent her an email. She replied immediately, gathered some quotes, and 14 business days later we signed closing documents in the comfort of our dining room. I researched NBKC during the process just to make sure their rates were decent, and I happily discovered that Nerdwallet listed them as the #1 option for the borrowing options we chose. We would choose Cheryl regardless of the bank, but it's nice to know that she has teamed up with a leader in the market.