I found Tony and NBKC through the mortgage referral service of the warehouse club everyone thinks of when you say "warehouse club", and I'm sure glad I did. I had already gotten several quotes from lenders and a couple of brokers, and was thinking that my search for a loan was getting close to being finished. (Objective: low-rate 20-year with-cash-out loan to refinance my 23-out-of-30-years-paid mortgage and pay for solar panels) Having created a complex comparison spreadsheet with rate, discount points, fees, final cost at payoff, cost of borrowing the additional cash out, etc., I was pretty clear where most of the lenders were, and thinking that I knew what a "good" deal was going to look like for me as a lowest-risk-category borrower (760+).
Tony came through and beat everyone, hands down. Lowest rate, lowest points, lowest fees, even the lowest estimate for the closing/title and title policy! Then, he said he thought we could close in under 30 days, with an immediate rate lock, during COVID-19 lockdown, when low rates combined with social distance restrictions were forcing customers of big lenders to float for days or weeks before being able to lock because closings were taking ~60 days.
It was a great experience overall, start to finish. Tony was professional, friendly, always quick to respond when I had questions or concerns, and generally made me feel like a valued customer.
While we didn't quite make it to closing under 30 days like he optimistically predicted, I think 36 days from quote/lock to close was pretty darn great. Finally, though Tony never promised anything, he and NBKC made the fully-virtual from-home closing happen that I wanted all along, making this one by far the shortest, most convenient, and least-tedious closing I have ever participated in (and I've purchased two homes, and refinanced a total of 4 times).
Be educated, shop around, but make sure you put Tony and NBKC on your short/final list, you won't be disappointed.