This was by far the smoothest, most transparent financial transaction I have ever experienced. I've had every level of shady one can imagine through the years, so I was bracing myself for what it was going to be this time. Just before closing I thought surely something was going to fall through because so far, everything Chad said and did was on point. Fast response times. Clear, direct answers to my questions. Closing figures were exactly as they were from the beginning, with any variation already being discussed directly. I found NBKC as part of the warehouse membership club (you know the one) mortgage referral program, and this was the only one that honored the quote provided from the referral platform. I also choose not to deal by phone, since my originators have historically developed amnesia about what they've said, and Chad obliged with no issue. Whether you're well versed in finance as I am, or are intimidated by all the detail, this is the kind of business person you want to work with. I cannot recommend him enthusiastically enough to truly show how refreshing this transaction experience was.