This was the first refinance for my wife and I. Being in California, we were very hesitant to refinance with a company nearly 2000 miles away. Mike was highly recommended by a few coworkers so we gave it a shot. We have no regrets. Mike explained the whole process, answered all of our may questions and promptly returned all of our emails and phone calls. The interest rate dropped after we were locked in and he managed to get us the lower rate. Signing the final documents was a breeze. A notary came to our house with all the paperwork and was gone within 1 hour. There is no doubt that we will use Mike at NBKC again when interest rates drop.