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.

I guess the bottom line with refinancing is how much it will cost and how much money I can save by going through what seems like a mysterious, somewhat arduous process. Initially, I decided to refinance a home equity loan and another loan on a rental property I had with my local bank defaulting to what I was most familiar with, relying on a local lender at our branch to walk me through the steps and options available to me. I was most concerned about the pending interest rate hikes and decided to make sure I avoided the inevitable higher payments on the variable rate home equity loan. I also desired a more favorable rate for my other loan on a rental unit. My local bank offered me a 30 year fixed rate loan on the home equity at about 4.65% and offered to refinance the other loan to a 15 year fixed rate at about 4.25%. In order to secure the loans and what seemed like decent rates I would be obliged to pay some rather hefty fees for both loans; the appraisal fees, especially for the rental property were glaringly high. We all know how easy it is to see how much our properties are worth online, so paying some institution hefty fees for this service is annoying to say the least. At the last moment I decided to do some research, get my head out of the sand and see what the heck was going on not only with the fees but with the interest rates online. To my consternation the rates quoted online where so much better than what my bank had offered me. They were hovering around 3.85 to 4.00%, much less than the rates I had recently been offered by my branch lender. The significant difference made me go ahead and make some inquiries with a few online lenders including the NBKC bank, apparently one of several institutions affiliated with Costco refinance services. Being an avid Costco shopper for more than two decades made my decision to go with NBKC bank the following morning so much easier. I received both an email and a call from Mike Morris the following morning. Mike Morris was a perfect fit for me. He was very personable and not too pushy. The information he provided was more matter of fact and didn’t have what I feared would be too much of a salesman’s pitch. I appreciated his calm demeanor and his ability to talk about the facts and figures. All those reasons we tend to go with the local town bank, Mike provided online and in our numerous telephone conversations. He offered a loan option called a “cash out” loan that my branch lender never even proposed and I ended up locking in a rate of 3.875%. I ended up being able to borrow 80% of the appraised value of my primary home which allowed me to payoff the balance of both the home equity loan and the rental loan. I completely avoided having to pay the refinance fees on the rental unit-it wasn’t necessary with this cash-out option. Furthermore, the appraisal on the primary home ended up being about half the price of what my branch lender was going to charge me. And, of course, the ultimate savings will be made with the substantially lower 3.875% in the next twenty years. Thanks Mike.

Mike helped me secure a VA loan. I did not use a real estate agent and due to Mike's effective communication the process was straightforward and the end results met the expectations from the beginning. Very satisfied. Thank you!

As long time Costco members, we decided to give their lenders a shot at this refi of our home. we chose NBKC Bank and are pleased with the results. The process was easily completed online and on the phone in a timely manner.

I just closed on my second home and Mike Morris helped me through both of them. During the second process i checked around to see if he could be beat in rates or closing time and after a couple weeks of service no one could come close. His service and professionalism is unprecedented. I highly recommend him for your home.

Mike and NBKC determined we were qualified, gave us a very competitive offer and completed the transaction quickly. The NBKC team quickly came to understand our solid but complicated financials. Their electronic processing systems are outstanding.

Mike responded quickly in all phases of the application process, worked hard, and got things done quickly. He is also very friendly, helpful and knowledgeable.

Mike was great....walked me through everything and answered my endless questions. I liked that he was retired military. Very professional and kind to a senior citizen lol. I would certainly recommend him to others.

I've used Mike for a couple refinances in the past but this was the first time using him for a purchase. Every time he's been great to work with! He helped us find ways around a couple challenges with the current loan and even followed up during his vacation.

Mike was wonderful to work with at NBKC bank. Anytime we needed to get a hold of him, he was a quick email or phone call away. Made the process much easier than expected!