Nothing against Quicken, they're good. Unfortunately Quicken could only do a 90% cash out which steered me to Brad. 100% cash out. This is our 12th mortgage/7 homes. It was the easiest, most accurate and timely mortgage process we have ever had. The fees charged were very fair. Brad is on-point and no nonsense. He responds quickly to your questions and doesn't string you out. Cannot say enough about NBKC--best experience ever. If you are a vet--call him!