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Nicholas Payne

Meet Nicholas

37 Reviews - 5 Rating

About Nicholas Payne

NMLS #270366

Office - 816-965-1456

Mobile - 816-260-0403

Fax - 913-529-3005

Advice for new home buyers

Take your time and do you research. Picking the right lender can be the difference in a pleasant experience or a nightmare.

Star Rating
The best I have worked with!!! —A Somaney from Austin, TX
We worked with Nick on the refi of our home. He was quick, knowledgeable and extremely responsive. We had a little snag in one of processes and he was on it right away and helped clear all roadblocks. He is the best and I would highlight recommend him.
RESPONSE:We love hearing Nick and the nbkc team are the best you've every working with - thank you for sharing! Brian Unruh, CEO
Star Rating
One of the best! —tthuy206 from Renton, WA
I wanted to share if anyone is looking for home refinancing. We wrapped up our refi with Nick at NBKC Bank. He helped closed my loan within one month. He was very amazing from start to finish, and was always readily available via phone or email. He always got back to me promptly. I was able to get to a rate of 2.875% (20 years fixed) with an appraisal waiver, which saved us over $650 in fees. The rates were extremely competitive, but above all, I appreciated how thorough, prompt and painless the process was. Very professional, responsive, and highly competent. I felt very well-supported every step of the way. I would use him again if I need to refinance and would totally recommend.
RESPONSE:Thank you for sharing your experience working with Nick and the team - we appreciate it! Brian Unruh, CEO
Star Rating
Excellent Communication and Timeliness —Marisse Mathern from Charlotte, NC
Nick was a pleasure to work with! He's always quick to provide details to us and answer any questions we may have. The entire closing process was a breeze, and all done virtually, thanks to his efficiency and quick turnaround. Appreciate all of the help!
RESPONSE:Marisse, we love hearing that the process was a breeze and appreciate the 5 star review! Brian Unruh, CEO
Star Rating
Great and easy experience —E Greilick from Evergreen, CO
Nick provided clear information and direction so we could quickly navigate the refinancing process. He looked for what would work best for us and our circumstances. I had confidence he was working hard to find us the best possible loans and streamlined the process in every way he could. He provided regular updates and was sure to keep me well-informed. It was a great experience, and I would recommend anyone work with Nick. He will take terrific care of you.
RESPONSE:Thank you for your recommendation of Nick and the nbkc team! Brian Unruh, CEO
Star Rating
Consummate Professional —bingram311 from Phoenix, AZ
Everything went as explained by Nick; from the paperwork, appraisal and finally the closing process. He was in touch every step of the way and let us know ahead of time what was coming next. Exceptionally pleased throughout the process.
RESPONSE:Thank you for the terrific review! Brian Unruh, CEO
Star Rating
Excellent Service! —marysmail0701 from San Jose, CA
I can't say enough about Nick's professionalism, service and timely responses. His focus on details, knowledge and customer interactions were more than 5 stars much more like 10+ stars as he was that great! Nick handled two of my loans simultaneously and without any issues. Very organized and an extremely hard working lender. Thank you Nick for all you did for my brother & I.
RESPONSE:Thank you for the repeat business and the 10+ star review! Brian Unruh, CEO
Star Rating
Great Lender & Great Loan Originator-Officer —zuser201603152149051 from Yukon, OK
My family and I decided to go with NBKC Bank as our lender for our new home. We worked with Nicholas Payne who was wonderful. I highly recommend him. He is extremely personable, helpful, patient, and professional. We had a few glitches during our loan process, but Nick was there to help walk us through, help us figure things out, and answer any questions we had. If you want a wonderful loan officer to work with and a great bank to deal with I would seriously consider speaking with Nick at NBKC Bank.
RESPONSE:Thank you for sharing your experience working with Nick and the team! Brian Unruh, CEO
Star Rating
Home Refinancing —Katrina S. from South San Francisco, CA
Nick made our refinancing process smooth and painless! He was readily available, with prompt responses as well as a friendly and highly professional attitude. Nick was patient, accommodating, relatable and we look forward to working with him again in the future.
RESPONSE:Katrina, we love hearing smooth and painless - thank you for sharing! Brian Unruh, CEO
Star Rating
Nick Payne —mojdehbaha from Portland, OR
Nick was available at all times, hands on, and very helpful and knowledgeable. I believe he went above and beyond call of duty. nbkc bank is lucky to have him. If you are lucky to be assigned to him you are in good hands otherwise ask for him!
RESPONSE:Thank you for sharing your experience working with Nick and the team! Brian Unruh, CEO
Star Rating
Exceptional Lending Experience —r2sharp from Denton, TX
NBKC and Nicholas Payne were exceptional to work with throughout the entire lending process. Our initial application was completed in November, 2019 and our journey took us thru 6 failed offers, one accepted contract that fell thru at the end after the seller refused to address foundation issues identified at inspection, and two missed close dates on our final property due to the builder missing deadlines. This final close issue jeopardized our loan lock, however, Nick and NBKC worked with us to avoid final closing issues. Nick's tenacity over that 7 month period was nothing but amazing. So very pleased and would strongly recommend.
RESPONSE:Thank you for sharing your experience (it can be incredibly frustrating in today's hyper competitive market). We're glad that we were able to help with your mortgage and the experience was exceptional! Brian Unruh, CEO

Questions & Answers

What’s your advice for new home buyers?

Take your time and do you research. Picking the right lender can be the difference in a pleasant experience or a nightmare.

What is your motto or personal mantra?

Accountability is everything and always treat people the way you want to be treated.

What is your favorite sports team?

Kansas City Chiefs

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

I played semi-pro football until I was 38 years old.

What’s your alma mater?

Benedictine

What is on your bucket list?

Visit Italy

What aspect of your job are you most passionate about?

Helping my clients achieve their financial goals.

Where did you grow up?

Independence MO

What are some of your hobbies?

Working out and reading books.

Before working at NBKC, what was the most unusual or interesting job you’ve ever had?

When I was in my early 20’s my brothers and I owned a Vending Company.