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Meet Jay

Loan Officer

34 Reviews - 5 Rating

NMLS #1394654

Office - 816-965-1470

Mobile - 816-332-2610

Fax - 913-529-3017

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Advice for new home buyers

Make sure that you work with some that you connect with and that responds to your questions in a reasonable time. Test to see if they respond on evenings and weekends. Also, be sure that you are looking at more than just the rate. Many lenders will show you a low rate but are charging you extra fees to get to that rate.

So Easy! —jane hartle from Seattle, WA

I have experienced financing several times and my refinance with Jay and NBKC was the simplest process I have had. Jay is extremely responsive and made the process so simple. I have already recommended him!

RESPONSE:We absolutely love hearing that this was your simplest refinance process you've ever had - music to our ears! Brian Unruh, CEO

Thanks Jay —Chris Coleman from Columbia, MO

I just closed on my refi and Jay was very helpful through the whole process. I work in the mortgage industry and understand the importance of working fast and efficient for borrowers. He worked hard to make this process painless and was hands on and helpful.

RESPONSE:Chris, we love hearing that the process was painless and appreciate you sharing! Brian Unruh, CEO

Thank you Jay! —Stephen Hu from North Andover, MA

Jay did a fantastic job with my loan. From the beginning of the process through to closing, he was down to earth and straightforward with his communication. I appreciated him taking the time to answer my many questions, and to review documents thoroughly with me if needed. It was clear that Jay was extremely experienced and knowledgeable in his field, and I learned a lot from working with him. Overall the process the efficient and pain-free, with no delays. Thanks Jay!

RESPONSE:Stephen, we love hearing that the process was pain-free! Thank you for sharing! Brian Unruh, CEO

Grateful —SamG from Alexandria, VA

Jay was very helpful, knowledgeable, accommodating and connected/accessible loan officer. Thank you for doing your best, Jay, bc I'm def satisfied with my refi.

RESPONSE:Sam, we appreciate the wonderful review! Brian Unruh, CEO

Done with ease! —Rajesh Govindarajan from Ashburn, VA

I would highly recommend Jay. Very responsive and thorough. The entire process was smooth and easy. Jay was deeply knowledgeable and helpful. NBKC web application is secure and easy to use. Thank you, Jay.

RESPONSE:Rajesh, thank you for your recommendation of Jay and the nbkc team! Brian Unruh, CEO

Excellent Service and Refi Process —Hayden Henderson from Sandy, UT

Jay is an incredibly knowledgable and thorough Loan Officer, and showed me a great deal of care and attention. This was my first refi and he went above and beyond in explaining details of the loan, different rate options, and what his estimation was on the best scenario for me, based on my needs. I know Costco sets a high bar for other businesses to be affiliated with them, so the fact that NBKC Bank was recommended on their mortgage service finder, and offered the best rate, was very reassuring to me - and having Jay work with me made it astronomically better. Anyone I know who will be refinancing I will definitely send them to NBKC to work with Jay. Thank you again for an informative, efficient, and seamless experience.

RESPONSE:Hayden, we appreciate the terrific feedback and 5 star review - thank you! Brian Unruh, CEO

Jay Is A Rockstar! —Dennis A Taylor from Catlett, VA

Awesome from the first contact! We found Jay to be friendly, helpful, informative and a very bright strategist. This industry is hyper busy now but Jay was always available to dedicate quality time to us and answered 100% of our questions. Great knowledge, experienced, team player, and a superior communicator. A+++++++

RESPONSE:Dennis, thank you for sharing that you had an awesome experience - we appreciate it! Brian Unruh, CEO

Great Online Experience —jan d michelson from Broad Run, VA

Refinancing our home in the digital age was made amazingly convenient with the help of Jay Richmond. He answered all our questions nad made what could be a very impersonal experience vr personal.

RESPONSE:Jan, thank you for the wonderful review! Brian Unruh, CEO

Best First-time Buyer Experience! —Alex Michael from Tempe, AZ

Jay is exactly the type of person you want to go through this process with! He answered all of our questions and made us feel like we were his only clients. All of his responses were prompt and he even worked with out realtor and insurer to ensure a smooth close! I appreciate the time he took to call us and follow up with anything that might seem difficult to navigate by ourselves. I feel very lucky to have had the chance to work with Jay on our first home purchase. I know he is a well-oiled machine and very experienced in this industry so I especially appreciate how he made us feel like our home goal was just as much his goal. I highly recommend Jay to anyone that wants to feel secure in their home financing decisions!

RESPONSE:Alex, thank you for the awesome review and big congrats on your first home! Brian Unruh, CEO

Great Job! —Alex from Cincinnati, OH

Jay was responsive and very helpful through the entire process! Highly recommended! He would always be there for me even during non-business hours.

RESPONSE:Alex, thank you for your recommendation of Jay and the team! Brian Unruh, CEO

Questions & Answers

What is your motto or personal mantra?

“Others determine your reputation, but only YOU determine your integrity.” – Tony Dungy

What is your favorite sports team?

I would have to say anything Kansas City (born & bred) but especially the Chiefs!

What is something that people would be surprised if they knew about you?

I am a pretty laid-back guy so most people are surprised to learn that I train in Krav Maga and Brazilian Jiu Jitsu. It is a great stress reliever, challenging and will really get you in shape.

What’s your alma mater?

Liberty University

What is on your bucket list?

Traveling the world with my wife to see some of the amazing beauty of this world and the people that call it home!

What aspect of your job are you most passionate about?

I love helping others to reach their goals and better understand the financial aspects of home purchase and refinance while finding that path of least resistance to help the borrower. Mortgages always seem scary to people but with the right person guiding you it doesn’t have to be scary at all.