My husband and live in Hawaii, are both 65+ and technically-challenged. At the recommendation of our financial advisor, we did a refi of 2 properties c/o Matt at NBKC. Friends and co-workers thought we were crazy going with a never-heard-of-them bank 4,000 miles away in a different time zone and with almost the entire transaction done on-line. We were pleasantly surprised. Yes, there were challenges amid Covid and through stuff caused by our paperwork assembly, but the delays actually worked in our favor as mortgage interest rates dropped. Through it all, Matt Johnson was patient, thorough, capable, kind, honest, respectful, responsive and we have recommended him and Costco to several others.