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Meet Jay

29 Reviews - 5 Rating

About Jay Richmond

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.

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

Jay Richmond/Loan Officer, NBKC —susanrivera1002 from Murrieta, CA

I was researched loan companies to refinance my home since interest rates had declined. NBKC had some great reviews and is a partner with Costco. NBKC was the second loan company I had asked for quotes. Jay was very informative, knowledgeable and helpful. Jay was always available by phone to answer any of my questions and concerns. In comparing the quotes I had received from other loan companies, NBKC Bank saved me thousands of $$$ in closing fees. (not kidding about the fee's) Jay was able to lower my interest rate which in turn lowered my monthly payments and saved me money on closing fee's. This was by far the fastest and easiest closing I've ever experienced. I would highly recommend Jay and his team.

RESPONSE:Thank you for the terrific review and we love hearing this was the fastest and easiest mortgage you've ever had! 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

Easy, all paperwork online, Jay always available by phone or email, answered all my questions fast and we had an absolutely splendid experience. —acd262 from Dillon, CO

We found NBKC through the internet - looking at reviews and doing some research. So glad we went with this company, I did get an estimate from 2 other lenders and they came back with higher costs and higher interest rates. We were in the beginnings of covid when I started researching and he was available and quick during all of it (including what's still going on), we closed on time, we closed with no issues, we closed with costs right in line with what I was expecting and what was provided to us, no surprises, no problems. We were able to sign most everything online (which is great) and he kept us up to date with what we needed, what we were waiting on and the timeline for it all. I have all positive things to say, I have recommended him to 3 friends that are looking to refinance, and I can only wistfully imagine how much easier it would have been to go with them as our lender the first time around.

RESPONSE:Thank you for sharing your experience working with Jay and a big thanks for the referrals to friends - we appreciate it! Brian Unruh, CEO

Jay was very responsive, and the process was smooth —etl from San Diego, CA

We would highly recommend Jay. He was extremely responsive and helpful even during off hours and when demand for loans was high. We felt that he was honest and straightforward when we had questions. The process itself was smooth and more pleasant than my previous experiences with other banks.

RESPONSE:Thank you for the wonderful review and recommendation of Jay and the team! 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

Jay is super helpful and a pleasure to work with —Mike R. from Beverly Hills, CA

Jay did a great job overall. He answered all of my questions in a timely fashion, was really helpful working through a few hiccups, and all the while with a sense of humor.

RESPONSE:Mike, thank you for the terrific review! Brian Unruh, CEO

Knowledgeable, professional, and extremely efficient! —HollyD from Ontario, CA

Jay was the perfect guy to work with for our home buying process! He's a subject matter expert and we are grateful to have closed with him after having so many bad experiences with other lenders. He's proactive and takes the time to ensure you understand every step/request and all available options. He does not cut corners and is very responsive. His attention to detail is impressive! Both our realtor and sales agent has worked in the industry for decades and has mentioned that we picked an excellent loan officer to work with. Our process was complicated and encountered many issues but Jay navigated them with ease. We’ve already started recommending our family and friends to work with him. Customer service at its best! He’s a trusted resource and we would definitely work with him again in the future.

RESPONSE:Holly, thank you for the wonderful review and a big thanks for sending others our way as well! Brian Unruh, CEO

Questions & Answers

What’s your 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.

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.