We initially connected with Ryan to pursue a refinance as a result of NKBC's relationship with Costco. Ultimately, due to reasons not related to Ryan, we did not move forward with the refinance; however, we did end up working with him to finance the purchase of a new home several months later. It was because of Ryan's approach to customer service that we kept him in mind for the purchase of our new home. He is easy to work with, quick with turnaround, and well-informed. In fact, our attorney was so impressed with Ryan and NKBC's rates, he recommended them to another client.