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Meet Joe

42 Reviews - 4.98 Rating

NMLS #238656

Office - 913-945-2589

Mobile - 913-708-0447

Fax - 913-383-5621

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Advice for new home buyers

Ask lots of questions.

Efficient —nimesh from Ladera Ranch, CA

Joe provided better rate compared to others, great customer service, average closing cost and closing completed on time. Very knowledgeable and informed. Overall an easy, efficient, pleasant experience and would recommend him.

RESPONSE:We love hearing easy, efficient and pleasant experience - thank you for sharing! Brian Unruh, CEO

Excellent customer service —Oklahoma homeowner from Jones, OK

Excellent customer service. Timely. Nice. Knowledgeable. Breath of fresh air. Answered all our questions. We had to delay closing due to death in family and he quickly took care of situation.

RESPONSE:We appreciate the terrific review - thank you for sharing! Brian Unruh, CEO

Straightforward and ALWAYS quickly responsive —Daniel Madsen from Idaho Falls, ID

I found Joe while comparing loan rates between various lenders. He was up front that his rates wouldn't match that rate and didn't waste my time, but took time to discuss the market patterns I was interested in. Two days later he called me when his rates dropped below the rate we had discussed and we locked. Through the whole process he was always quick to respond to a text or email. Extremely satisfied.

RESPONSE:Daniel, we appreciate the terrific review - thank you! Brian Unruh, CEO

Great service!!!! —Vijay Ramamoorthy from San Antonio, TX

This is probably the 3rd time we are doing a loan (refi/new purchase) with Joe and as always he has been amazing. He is very prompt on his replies, answers all our questions, explores and finds the best solution for you. Since I had expressed interest in refinancing my primary home, he kept checking at the background and contacted me when the rate was lower. Thank you Joe for all your help.

RESPONSE:Vijay, thank you for the repeat business and the 5 star review - we appreciate it! Brian Unruh, CEO

Honest and Great Communication —user9675111 from Lincoln, CA

I have worked with Joe on two occasions, and both times, everything went smoothly. On my most recent refi, Joe was not able to meet or beat a rate that another lender provided me, and he recommended that I go with the other lender because it was a great deal for me; however, due to poor communication with that other lender, I ended up contacting Joe again, and this time, he was able to beat the rate that I had with the other lender. I started up the process with Joe, and we closed before the other lender finally got back to me to check in on me... even though I had called and left several messages with him and sent numerous emails. Sometimes, the better deal really isn't! Joe is honest and is in constant communication. If he cannot beat another deal, he will let you know up front and not talk trash about the other lenders to try and get your business... something that I ran into a lot while shopping for my refi. Joe has earned my repeat business, and I will reach out to him any time I am in the market to refi. Highly recommended!

RESPONSE:Thank you for the repeat business and your recommendation of Joe and the nbkc team - we appreciate it! Brian Unruh, CEO

Great experience twice —berglundjm from Mckinney, TX

I refinanced with Joe in 2019 and had no hesitation reaching out to him to see if another refi in 2020 would be worth it. Both experiences were as painless as a refinance could be. He walked me through every step, was available and responsive to requests, and ran me through several options to see which made the most sense. I’d work with Joe again and highly recommend him!

RESPONSE:We appreciate the repeat business, love hearing both experiences were painless, and thank you for the terrific review! Brian Unruh, CEO

Joe always gives us the best options and rates —Zack TC from San Antonio, TX

Joe is very easy to contact, very reliable and I love the speed with which he does the refinancing. He has our best interest in mind and always makes wise suggestions. This is the third loan I have refinanced or financed with him.

RESPONSE:Zack, thank you for the repeat business and the 5 star review! Brian Unruh, CEO

Efficient & easy to work with —Sheila from Irvine, CA

Joe is “ultimate“ lender I would work with for my lending needs. He is honest, approachable & always have his client’s interest in mind. He is readily available & very professional, too. He Is knowledgeable & has wide experience in the Loan Industry and therefore, he makes good recommendations for my several transactions with him

RESPONSE:Sheila, we appreciate the wonderful review - thank you! Brian Unruh, CEO

Would highly recommend to friends and family! —Het Patel from Durham, NC

Joe was amazing to work with, he was always available to answer any questions and explained all the steps through the process very thoroughly. Communicating with Joe was easy and he was always very responsive in a timely manner. I would highly recommend Joe to anyone looking to refinance or looking for a home purchase loan.

RESPONSE:We appreciate your recommendation of Joe and the team! Brian Unruh, CEO

Extremely satisfied —Kevin Chen from Carlsbad, CA

We were first time home buyers and were very impressed by Joe's expertise and knowledge. It does not feel like Joe ever takes a vacation because whenever we needed clarification, he would always respond (weekends included) and explain in detail any questions we had. Joe was able to get us a great rate and secure the loan on time, despite the difficulty of doing so during Covid. Overall, we would highly recommend Joe. Joe always goes above and beyond.

RESPONSE:Kevin, thank you for your recommendation of Joe and big congrats on your first home! Brian Unruh, CEO

Meet Joe

Questions & Answers

What is your motto or personal mantra?

Treat others as I wish to be treated.

What is your favorite sports team?

Chiefs and KC Royals

What is on your bucket list?

To visit Europe

What aspect of your job are you most passionate about?

Building relationships

Where did you grow up?

Southeast Missouri

What are some of your hobbies?

Taking care of my yard, sports, hanging out with my daughters.

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

My first real job I worked for a dynamite company.