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.