We just did a refi with NBKC, and we were lucky enough to have Joe Davis as our Loan Officer. Joe was so helpful, courteous, knowledgeable thru the whole process. He helped us with every step. Told us what he needed, why he needed it, and when he needed. Was way too easy. Cannot say enough good words about Joe, and how helpful he was in getting our loan done. We highly recommend Joe, and NBKC for any of your mortgage needs. You will be glad you did.