Lori made obtaining a conventional loan a piece of cake, answered every and all questions I had, and the best part is we did it all online. My realtor, closing lawyer, and the listing agent had never worked with nbkc before and they were all skeptical of using an online lender from another state. Everything went through without issue, and Lori made sure everything was organized and ready for the closing. We had a surprise snow storm, but that didn't stop anything. I believe rates are close or competitive with local banks I've checked out, but the online experience and ease of everything beat out working with anyone else. I was also able to get a rate lock with a timeline that made sense for my needs at no extra cost. I was referred to Lori by a friend, and I would recommend her and nbkc bank without hesitation to any of my peers looking for their first home or a refinance. Costs and terms on the pre closing and final closing disclosure were exactly as expected. Before I arrived at my final purchase, I spent a lot of time talking with Lori and working on scenarios, and I appreciate her spending the time to help me work through these options. I just received my servicing paperwork, and I was able to set up everything online with the subservicer without issue or delay. I wouldn't hesitate to reach back out to her for my needs in the future.