My wife and I had talked about getting a home equity loan to do work around the home, but checked into doing cash out refinance through Lending Tree. As soon as I hit the send button, I was getting bombarded with calls from lenders wanting to do business. Chad was one of the few that provided complete information about costs. Another lender was extremely pushy, and when I told him we decided to go with NBKC, he wanted to know why. The cost of getting a loan was much less than theirs -- the other lender tried to tell us it was a scam, we would be charged for a lot more than that. But Chad was almost spot on, hundreds of dollars less than the other -- and the whole process was extremely smooth.