My wife and I have bought three houses before and we never liked the loan experience until now. We always felt the bank was out to get us. This time was completely different. The rates and points were the best I found amongst 4 lenders. Also I wasn't pressured into locking a rate, instead Kurt talked it over with me and gave me his expertise on the matter. As for the closing costs, Kurt tried his best to estimate all of the closing costs and he explained every single one, in detail, and how some could be different at closing. In the end the closing costs were pretty accurate and actually were a little lower than expected. Another Thing that Kurt excelled at was communication. He was pretty much always available and on the rare chance he wasn't he would call back very quickly. Even my closing agent was impressed with Kurt and NBKC in general saying that He didn't know this bank but was pretty impressed with how quickly every one responded and how low the rates were. This coming from a person that deals with a lot of banks on a daily basis.