While shopping for a lender, I contacted three lenders. Two of the three lenders were military related organizations I have used for over 30 years for banking and insurance. The third, NBKC, was available to Costco members, which I am. I was not familiar with NBKC and was my third choice only because I always get three quotes when making a major purchase. I am retired from the Navy and just a few years away from retiring from my current job. My wife and I decided to downsize to a single level home with our kids having graduated from college and we have been empty nesters for several years. Although we downsized, we upsized in quality and location for our retirement home. With a much more expensive home, we were looking for the best mortgage rate possible. We were fortunate to have been contacted by Rob Ferger. I was extremely suspicious of Rob when he contacted me within minutes of completing a mortgage questionnaire for NBKC through Costco...and it was on a weekend. Rob’s professionalism and knowledge impressed me as I was completing applications with the other two organizations, I still had NBKC as my third choice because I had never heard of them. It didn’t take long for NBKC to move to our number one choice and it was purely due to Rob Ferger. Rob stayed in touch with us as we were trying to time our closing with the tremendous interest rates the market was experiencing. Our home did not close on time and Rob was constantly remaining in contact with us...just the right amount of communication to remain courteous without being invasive. Rob gave us the appropriate “nudge” when the market was going down to push our builder to confirm we were within 30 days of closing. Timing is everything. Rob’s timing enabled us to secure a 30 year VA loan at 3.125%! While you have numerous choices of lenders to choose from, I can give no higher praise than to encourage you to put NBKC, and specifically Rob Ferger, as one of your top three choices. I will guarantee you that, like us you will receive the same expertise and professionalism that we encountered and you will walk away satisfied with your home buying experience.