After applying at a few mortgage companies Joe at NBKC provided the best customer service, was honest and upfront with all costs and fees, and NBKC had the overall best rates without having to pay down on points. Other companies confirmed they couldn't compete with NBKC rates. Joe was easy to get a hold of, provided all information in easy to read spreadsheets and explained all costs as well. Joe went above and beyond to ensure I closed on my home in 25 days!! Further, the home was funded within 15 minutes! Joe is a pleasure to work with and I recommend him and NBKC to ANY consumer, especially Veterans who want to pay less in their monthly mortgage without added funding fees.