Refinancing is never really enjoyable, but Bernie made is simple and stress free. He is caring, competent, and professional. I highly recommend him!
Best Rate —user99277474 from Lanesville, IN
I worked directly with Bernie on my recent home purchase and he not only gave me the best rate but he also gave great customer care. I have nothing but good things to say about Bernie and NBKC.
Friendly Stress free and honest process —ansearcher8 from Visalia, CA
Bernie Kalmus was my loan officer in obtaining a VA home loan he was honest and friendly and professional and the whole process was explained and free of stress !
Kwoledge, Dedication and guidance. —skymaster336 from Travelers Rest, SC
It was of great importance Bernie's attention to detail during the process of buying our home. Bernie consistency, and not leaving any questions unanswered made it possible. Our eternal thank you.
Jose & Elia
Great guy to work with and got it refied Fast! —Steve H from Clarksville, AR
I was able to do everything on-line and saved a good deal of time. Started the Refi July 28th and was closed and funded by Aug 27th. Was glad to work with a fellow Veteran on this! I have been a Real Broker for 34 years.
Amazing —breeanaw91 from Rosharon, TX
Bernie was very helpful, kind, and a great person to work with. Everything went so smoothly and he put up with all our questions. Great person. I will be recommending him to all friends and family, and will be using him in the future.
Honest and straightforward —rconard2233 from Des Moines, IA
Bernie is a extremely nice guy and easy to work with, and I called him on days off, when taking his daughter to college and he always answered the phone and did whatever he could to help me out even though he was not in the office. He was very understanding and continued to help me out even when extremely frustrated because the house was so hard to purchase because of issues beyond my control and his. I feel like if Bernie can deal with me he can help anyone because I can be really hard to be satisfied. Thank you for your time and help.
Awesome —smp4ever1 from Des Moines, IA
Bernie was amazing and made our loan a priority even when after work hours. Bernie came into work on his day off to make sure we would close the next day. Bernie was easy to work with and extremely. helpful.
Simplest mortgage process ever! —franklinmike1965 from Salem, OR
Bernie was friendly, timely, and there was no unnecessary hassle, redundancy, etc. This was by far the easiest mortgage qualification process that I've ever been through.
Awesome!! —rockywelch14 from Rosharon, TX
Bernie was awesome and made my first home buying experience smooth and quick! Talking to him on the phone calmed me down a lot during stressful times because of his calming demeanor. I look forward to working with him down the road on any other homes!