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Meet Joe

92 Reviews - 4.97 Rating

NMLS #415111

Office - 913-945-2597

Mobile -

Fax - 913-499-4501

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Advice for new home buyers

Focus on monthly budget, not purchase price. You only buy the house once, but you pay your mortgage every month.

Very Honest and Dependable Lending Officer —David from Minneapolis, MN

Joe has helped us through a refi and more recently a new home purchase. What I appreciate most about Joe is his honesty in helping us navigate options in finding the best fit for our financial needs. After our loan closed I found NBKC to be a great servicing company and never had an issue getting the help we needed. Finally, I have found NBKC to be very dependable and was never concerned about hitting any deadlines or any errors in the process, which can't be said about all lenders.

RESPONSE:David, thank you for sharing your experience working with Joe and the team - we appreciate it! Brian Unruh, CEO

Joe is the BEST —John Gleason from Lake Lure, NC

This is the 3 time I've worked with Joe. He's always available, courteous and very knowledgeable. He was with us from pre-qualification thru loan and closing completion. When there was a question on our part, he was quick to reply and gave alternatives. We're retired, so even though it was more of a challenge to justify our assets (vs emploment verification) Joe helped us thru it step-by-step. I'd HIGHLY recommend Joe specifically and NBKC bank. As a COSTCO member it was a great value that couldn't be beat. As a non-COSTCO member, their service is unparalleled.

RESPONSE:John, thank you for the repeat business and your recommendation of Joe and the team! Brian Unruh, CEO

Recommended —Charles1977 from Albuquerque, NM

Joe is the type of loan officer who makes sure that your deal will close on time and you can get your loan letter updated quickly. He really has the sense of responsibility and time that you do not see in every loan officer out there. Whenever any documents are needed, he would communicate promptly. Highly recommended.

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

Definitely 5 stars —kosel1831 from Prescott, AZ

Joe was pleasant, helpful, and very responsive. His suggestions saved me money and he always answered my emails and phone calls immediately. My VA refinance was seamless with no hiccups. I would highly recommend you ask for Joe Zucht.

RESPONSE:We are happy to hear that your VA refinance was seamless! Thank you for sharing and most importantly, thank you for your service to our country. Brian Unruh, CEO

Joe was fantastic —Carl from Waddell, AZ

Joe was very helpful and fast when responding by email or telephone. I would highly recommend Joe and NBKC to anyone that wants to refinance their home.

RESPONSE:Carl, thank you for your recommendation of Joe and the team - we appreciate it! Brian Unruh, CEO

NBKC does it again —djdem27 from Middletown, NJ

This is my second mortgage with Joe and NBKC. Need I say more? It was a pleasant experience, and everything went as smoothly as can be. I would not hesitate to recommend Joe and NBKC to anyone looking for a mortgage!

RESPONSE:Thank you for the repeat business and your recommendation of Joe and the team! Brian Unruh, CEO

Exceptional support! —Dan G from Huntington, NY

Joe and everyone at nbkc were all a pleasure to work with and they were super helpful when it came to educating me about the whole process and making sure I understood everything I was going through. Plus the banks closing fees were so low or lawyer thought it was a joke. So I cannot recommend Joe and nbkc enough!

RESPONSE:Dan, thank you for the terrific review and your recommendation of Joe and the team! Brian Unruh, CEO

Great Experience with Joe for first time buyer —zuser201906121624538 from Houston, TX

Joe was a pleasure to work with. He was always honest and straight with me and never told me what I wanted to hear, but instead gave me the facts and the reality with no nonsense. Joe was also extremely helpful in getting me the absolute lowest interest rate I could find anywhere and also the lowest closing costs. I highly recommend Joe if you’re looking for an honest experience with someone who will go the extra mile to get you the best rates and closing costs available.

RESPONSE:Thank you for the awesome review and sharing your experience working with Joe and the nbkc team! Brian Unruh, CEO

Excellent —cstow from Huger, SC

Joe did great job throughout process. Explained along the way and guided us to an on time close. Highly Recommend Joe and NBKC. I would use them again.

RESPONSE:Thank you for your recommendation of Joe and the team and the 5 star review! Brian Unruh, CEO

Joe with NBKC bank —Mitul Shah from Osseo, MN

Joe has helped me with my first home mortgage and subsequent refinance of the home as well. He is very knowledgeable and prompt. I would not hesitate to recommend him to anyone who wants a mortgage for their home/ townhouse/condo. Very direct accurate and timely. Contact him if you are looking for a mortgage.

RESPONSE:Mitul, thank you for the repeat business and your recommendation of Joe and the nbkc team! Brian Unruh, CEO

Meet Joe

Questions & Answers

What is your motto or personal mantra?

Perpetual Improvement.

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

I ran with the bulls at the festival of San Fermín in Pamplona, Spain.

What's your alma mater?

The University of Kansas

What is on your bucket list?

Traveling through Southeast Asia, skydiving in a wing suit, and many more...

What aspect of your job are you most passionate about?

Helping customers maximize their personal and financial goals while minimizing the interruption of their daily lives.

Where did you grow up?

Kansas City

What are some of your hobbies?

Tennis, karaoke, and watching my niece's ballet performances

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

Bartending on Duval Street in Key West, Florida. Never a dull moment.