I am based out of California and I was little hesitant to shy away from local lenders, or lenders referred by my real estate agent, and go with an online lender. But I figured I'd at least see what they have to offer, and sent a request to NBKC Bank, through the Costco Mortgage Program. Through that request, I was contacted by Jeff Palmer and that kicked off the early stages. From the beginning of my loan process, starting with initial quotes and comparisons, to final closing Jeff Palmer stayed true to his promise of providing great customer service and being timely with his responses/replies to any questions or inquiries I had. He was always informative and transparent, no matter what stage of the mortgage process I was in. He was patient in making sure I understood what was going on throughout the process, giving me step-by-step explanations, and at NO point did I feel like I was being mislead in any way. Not only that, he worked well with my real estate agent! From what I understand, that is a big plus in the industry. My agent was a little hesitant to work with an online lender at first, but in the end she also gave him praise!
However, those traits mentioned above are PART of the reason I went with Jeff at NBKC Bank. I wanted a lender who had a lot of experience working with and closing VA loans, as that was my loan type. During my initial screening process, Jeff assured me he closed numerous VA loans and gave me some insight into those requirements and procedures. Granted, all I had to go off of initially was Jeff's word on his experience, so I knew I was taking a chance. But as we got further into the process, I became more reassured that his claims were legitimate by informing my wife and I of the actions we had to take along the way, both actively and proactively, and the timelines to meet. This resulted in us closing on our home on time! It actually would have been sooner, as he had everything on his side taken care of a week or so prior to our final closing date, but we all had to wait for items to be completed that were out of his control. Regardless, guidance like that can only come from first-hand experience. Aside from that, he and NBKC Bank were able to get me one of the lowest rates out there!
As mentioned, after I took the time to initially shop around and interview other lenders, I choose to go with Jeff because he met all the requirements I was looking for in a lender, and I'm glad I did. I obviously can't speak for other lenders at NBKC Bank, but needless to say, I would, and WILL, definitely recommend Jeff Palmer as a lender. He made the mortgage process for my first home purchase an ideal smooth and stress free experience. He has a great attitude, a great work ethic, experience, is very personable, and exceeded all my expectations. I'm sure he will do the same for you.