Joe was able to get us a rate that far surpassed other lenders. He also was able to offer us a really awesome lender credit for being Costco members! If all of that isn’t enough, Joe is a really friendly guy- he’s quick to respond, was very patient in explaining things to us during the process, and was so helpful. The entire process went so smoothly, and we always felt taken care of. He even helped us close a week sooner than expected! I highly recommend NBKC bank, but especially Joe.