Very responsive agent —Dave C from Carlsbad, CA

NBKC has very competitive rates and fees, while their process is quick and efficient. Nick Payne was readily available throughout the process with very helpful information. Already recommended to a close friend.

RESPONSE:Dave, we love hearing quick and efficient! Thank you for the terrific review. Brian Unruh, CEO

Nick Payne —Jim Reed from Santa Maria, CA

Nick is AWESOME! He's super responsive to all my emails, and closed the loan without any hassles from start to finish! This was my first time doing an online mortgage loan and the whole loan process was very smooth and painless! Nick provided everything I needed

RESPONSE:Jim, we love hearing smooth and painless - thank you for sharing! Brian Unruh, CEO

Excellent Experience —nikzanotto from San Jose, CA

I highly recommend Nick Payne and NBKC. Nick was very helpful and pushed us through our REFI at record speed. Nick is patient and very informative. He kept us on task and answered all of our questions. Nick's support did not end once we closed. I had a question a few weeks after we closed, and he took my call on a Saturday. Nick set the expectations up front and he delivered.

RESPONSE:We appreciate the fantastic review and your recommendation of Nick and the team! Brian Unruh, CEO

Nightmare turned to Dream after switching to Nick at NBKC —Joshua Miller from Saint Louis, MO

So while working with a previous lender, we ran into three major issues. First was the lack of respons/customer report, second was dealing with an issue of a fraudulent purchase, last was absurd closing costs. After me and my fiance switch to Nick it was like a stress and worries went away. Nick was always prompt with response, like within an hour response, compare to the previous lender who would talk up to weeks two weeks to respond. Next was there was a previous fraudulent mortgage tied to my name, but with Nicks help and his compliance team they where able to clear it from my name within the final hour to close on the requested closing date. Lastly was the closing cost, our previous lender on top of a 6000 earnest money deposit they where charging additional fees that would cost an additional 4000. After review with Nick we found that not only will we get most of our earnest money back, but also lower our interest rate on the mortgage by about 0.5%. Just amazing job and would recommended to anyone working to get a loan Specially Veterans.

RESPONSE:We are so glad to hear you had a wonderful experience working with Nick. We appreciate the opportunity to help with your VA loan and sincerely thank you for your service to our country. Brian Unruh, CEO

Thank You, Nick! —Forrest & Karen from Boise, ID

I can’t say enough good things about how Nick handled our refinance. He always kept us informed, was very responsive to our questions and made things go very smoothly. If you’re looking for a true professional loan representative, Nick is your guy!

RESPONSE:Forrest & Karen, thank you for the wonderful review - we appreciate it! Brian Unruh, CEO

AWESOME! —Kevin from Las Vegas, NV

Nick is AWESOME! He's super responsive to all my emails, and closed the loan without any hassles from start to finish! This was my first time doing an online mortgage loan and the whole loan process was very smooth and painless! Nick provided everything I needed, low interest rate and NO headaches! Definitely recommend Nick for your purchase/refinance needs!!

RESPONSE:Kevin, we love hearing smooth and painless - thank you for sharing! Brian Unruh, CEO

Refinance Loan —Matthew and Danielle from Clear Lake, MN

This was my first time refinancing my home loan. It started with Nick Payne at NBKC bank answering every question that my wife and I had about the hole refinance process. Nick had a heart of a teacher. He was professional, patient, and he kept us informed of what papers he needed form us. Nick was very helpful in explaining what the next step was and he was always very quick with getting back to us. I can't say enough good things about Nick. If you are reading this review and on the fence about who you can trust with your personal information and what lender to us, give Nick Payne a call today at NBKC bank. Thank You Nick!! I not only received a great interest rate but also made a friend threw this refinance process.

RESPONSE:Matthew and Danielle, thank you for sharing your experience working with Nick. We appreciate the opportunity to help with your mortgage and thanks for the awesome review! Brian Unruh, CEO

Smooth Loan —jimdixon49 from La Crescenta, CA

Everything was smooth with Nick. He was communicative and timely when I had questions and our loan closed on-time even though the closing date was earlier than expected.

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

Process ran smoothly —Guadalupe from Mission Viejo, CA

Nick was very helpful. He explained in detail all about the loan and was always available every time I had questiom. He was great to work with. I totally recommend him

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

Helpful Nick —chiragacharya583 from Richmond, TX

This was our first time buying house in US and nick helped me from day 1 till end and made everything very smooth and now we are one happy costumer with a loan approval . I highly recommend to choose nick as your Loan officer he is always responsive and one call away . Thanks nick for all the help and support

RESPONSE:Thank you for your recommendation of Nick and the wonderful review! Brian Unruh, CEO

Meet Nicholas

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