I chose Jay after shopping for a few different lenders. NBKC was in line with the best rates along with a couple of other lenders I was considering. I chose Jay because he spent time explaining options to me and was very responsive to my questions. After I'd decided on what I wanted regarding the specifics of my loan, Jay helped me find a good deal on points that put the NBKC estimate ahead of the others. I'm glad I chose to go with him, because that responsiveness and helpfulness didn't stop. No matter the day or time, Jay was quick to respond to my questions. With inevitable little hiccups along the way, Jay worked to make sure things kept moving. If you're debating to go with Jay someone else, with all things even, go with Jay every time.