I had been shopping around to refinance my mortgage, and had been connected to NBKC through the Costco Mortgage Program. I was comparing several lender partners that were all offering similar terms. Once I got on the phone with Richard, it was clear I would be working with him. He assured me that the differences between Costco partner lenders would be negligible, and at this point, it was a question of choosing someone I could trust. Richard took my call late on Friday afternoon and worked through the weekend to lock in my interest rate. He was very personable, and at no point did I feel that he was trying to sell me a product that did not serve my interests. At closing two months later, I am sitting on an interest rate about 65 basis points below market. A large portion of that is timing, but an important portion of it is Richard working with me to find a program that would offer me the best rate with a lender credit to avoid large upfront costs. Altogether, I cannot recommend Richard more highly. He was wonderful to work with. Given my interest rate, I do not think I will be closing another loan anytime soon, but if I were, I would definitely go to Richard.