I found NBKC through the costco program and Joe was the first lender to contact me after submitting for quotes. As a first time home buyer, Joe patiently explained the loan approval process to me during this initial phone call. Because NBKC was the first estimate I received, Joe also told me what to look out for in loan estimates (extra fees, lock fees, points) and to not just focus on the lowest APR. I shopped around and got probably 10 estimates. NBKC along with a couple others had the same APR, but after talking with the other lenders, I felt most comfortable working with Joe and he spent the most time answering my questions. I also needed to close in around thirty days so I wanted a trustworthy lender who had a good track record of closing on time. After choosing NBKC, Joe updated me on all the paperwork information needed to get the loan approved. He checked in with me weekly if not more often if needed. I got in all the paperwork ASAP to Joe and I was conditionally approved around two weeks before closing which was a relief (I do have good credit and was putting 20% down which may have helped a little with the speed). There were some number discrepancies with the closing disclosure the night before closing due to the title agency, but Joe communicated with me and the loan closer to make sure everything was ironed out. I successfully closed on time. I highly recommend Joe Street. His reliability, communication, and patience helped me immensely through this process, especially as a first time home buyer.