Paige Murphy

I had been searching for a home in the ultra-competitive Bay Area housing market for a couple of years with no luck. I made greater than 30 offers over the course of 2 years with one finally being accepted. One of my distinct hurdles was that I was attempting to utilize a VA home loan to fund my purchase. In most areas, a VA home loan is the gold standard. However, in the Bay Area, cash is king and people/real estate investors have a LOT of it. There were more times than I care to remember of being out-bid by another buyer who had a cash offer greater than 10% over asking price. It was demoralizing. I began working with Paige about 6 months before having an offer finally accepted. I can honestly state that without her help, the contract on my home would have fallen through and I would likely still not be a home owner. The timeline we had to jump through all of the hurdles I ended up facing ended up being an extremely fast 1-month. The first issue that we had to address was the fact that the property I had put an offer on was mis-classified in the MLS as a townhome. This sounds trivial but it is not. That classification impacts the loan rate and limit at which a home can be purchased. Paige took the initiative to push for a clear definition of what my property was classified as (condo in my case) and got that answer before my real estate agent could. The next hurdle was getting the condo-HOA approved by the VA. The VA will not fund a loan on a given condo without first ensuring that the HOA is healthy from a financial perspective. Paige quickly and accurately filed the appropriate paperwork to ensure that the VA got the condo-HOA approved. Fortunately, the VA was able to quickly turn-around and approve the HOA associated with my condo. The next hurdle that had to be overcome was the Section 1 pest inspection reports. California makes it a bit more challenging to gain a home loan with required pest inspections. Some might classify these inspections as a bit of a racket because the companies' performing these inspections oftentimes also provide remediation services associated with the report findings. This makes it in the companies' best interest to find pest issues that require costly remediation. These companies also understand that VA loan funding is contingent upon a clear section 1 pest report. In my case, the first pest inspection contained inspection elements that went above and beyond a typical inspection. The associated report contained numerous section 1 findings not appropriate to the scope of the inspection. I hired another inspection company as a second opinion on the original inspection. That report also came back with needed costly repairs but the content of that report was appropriate to the scope of the inspection. As a side note, my HOA also had an inspection company come in to perform an inspection as some of the remediation work fell under their scope of responsibility. To make a long story short, I waded through these 3 pest inspection reports with Paige and figured out what needed to be remediated and what did not. In the end I had to put a sizable amount of money into an escrow holdback to cover the repairs. I have since recouped those monies after the repair work has been completed with the help of Paige. My final hurdle came in the form of an accurate estimate of total monies needed for closing. The closing costs ended up being more than first estimated (b/c of escrow holdback monies) which caused a last-minute re-negotiation to have to occur with the seller. The contract almost fell through at this point because I as a buyer had already missed the contract deadline. My realtor filed for an extension which was granted and Paige stepped in to ensure that the new terms were correct and that the deal could be financed. Needless to say it was a stressful situation but Paige really helped to ensure that it came to a successful end. She went above and beyond my expectations and took care of details that were the responsibility of both my real estate agent and the selling real estate agent. In short, she owned the deal and went 110% to ensure that the deal went through successfully.

Connected with Paige through the Costco Mortgage program. Filled out the info sheet and received a call from her within seconds, crazy fast actually! In our first conversation it was obvious that she new her stuff. We asked several questions and were in a bit of disbelief that her rates could be that much lower than our local lender. Never having gone through the mortgage process completely online, we were a bit apprehensive but, decided to go with Paige, Best decision we could have made. Our agent even questioned our sanity, changing lenders after we had mutual acceptance but it felt right. Paige was on the ball, answered our questions at any hour by email or phone. Loan process was seamless, docs delivered early and she simply did a fantastic job for us. We could not recommend her more!

Paige has been on mortgage lender on two different properties and our experience with her has been flawless each time. She exceeded our expectations by working with us on weekends and in the evenings to make sure we always close on time and on our most recent property we closed early! She is so attentive to every need and goes above and beyond to make sure that you understand the process and have a pleasant experience. Note: Paige is not local and all business was conducted online or over the phone and I would always choose her over any local bank. Paige is very knowledgeable about every aspect of the lending process and exceeds expectations in every aspect of the process. We are so blessed to have found Paige and we refer her to everyone we know. My realtor explained working with her was like a dream!

Paige was took care of the everything in the process extremely well and helping and following up on everything to get to closing and closed ahead of time

NBKC and Paige provide very efficient and professional services for my loan. The fee is better than anyone else I know of, and Paige has worked hard to get my loan close on time. Paige was very easy to communicate with and she was on top of every step of my loan.

Working with Paige Murphy was so easy. My wife and I were having a very difficult time going navigating the transition from construction loan to mortgage with another bank. We called the number provided by Costco for a mortgage. I immediately got a call from Paige and she helped us end and pay off the construction loan and then obtain a new mortgage with NBKC. Paige was involved in every step of the process. She texted or called me back no matter what time of day that I called (we live in Spokane, WA and Paige is 2 time zones away). This was a great relief during a very stressful time. She got us a very good interest rate, very low fees and costs, and made several suggestions that helped us significantly.

Paige was very helpful, not only answering our questions about the mortgage process, but also offer some suggestions with our budgeting. She responds promptly and is very easy to work with.

The third time is a charm they say, and it was. My husband and I went through two other banks before we got here at NBKC to Paige. The other banks did not have the combined knowledge that Paige held on her own. Paige is smart. Not just full of knowledge but she knows how to use it. She has so much patience and she treated me like a person and not an applicant. The other banks would pass me from rep to rep at different stages but Paige was with us through the entire process. Her dedication is unreal - she will answer any and all questions for you at any time. I can't say enough good things about my experience with Paige and the way she represented her company.

We are first time home buyers and couldn’t have had a better experience. We were in our new home within a month of picking it out, that’s how fast and easy the process went with Paige. She was there answering MANY texts, emails, and phone calls. She would get back to us right away with answers, working around the clock, including weekends. Paige is very knowledgeable and had an answer to everything. Our overall experience was truly wonderful, thank you Paige!

When I was looking to be preapproved, Paige called me. From that moment to the moment I closed on my home, Paige never stopped explaining the process and making sure I was comfortable doing. She literally answered calls at 10:00 pm at night and was always happy to help. If you are looking to work with a lender who cares about you and your comfort level, it’s hard to imagine someone better than Paige. I will be recommending Paige to each and every friend and family member looking to buy a home.