We just completed refinancing and had a flawless process managed by Trevor Campbell. We went through Costco, and among the multiple respondents to our inquiry, Trevor's was uniquely straightforward, transparent, professional, and timely. He quickly offered terms that were more advantageous than anticipated, and actually improved after we had agreed to move forward. The initial application process including submission of documentation was smooth and efficient. The NBKC on-line sites are top notch - intuitive and easy-to-navigate. Uploading required documentation was a breeze. As we proceeded through the different processes of refinancing, Trevor was actively engaged and ensured that there was rapid progression to the "next phase". He quickly and effectively answered all questions. While there are a number of independent agencies involved in the process, the transitions were seamless and smooth. As well, in this strange COVID time, the "human contacts" were minimized (just the appraisal and closing), and both of these were performed by individuals following CDC guidelines and minimizing contact time. The loan was refinanced in less than six weeks and there were no surprises or changes in the initial terms. We have quickly reduced our monthly principal and interest by over 25%, are thrilled with the job done by Trevor and NBKC, and recommend them in the highest terms.