I submitted my information for a refinance. I was abundantly clear on my intentions (cash out to pay down debt) along with credit score, home value, salary. My first clue to the pure incompetence and/or deceptiveness of the agent is the quote I received was based on factors I did not submit. For a period of two months, the prospective loan officer never proactively contacted me although initial conversations suggested the loan was proceeding without issue. I provide information at every juncture. The loan officer would go days without responding and respond with the same questions. To add insult to injury, I am also out of the $500 appraisal fee. For two full months I was given the runaround and eventually ghosted. Jeremy Bell and NBKC are again either incompetent, or disreputable.