The Mortgage Application Process

Applying for a mortgage loan can be confusing. nbkc's simplified, four-step mortgage loan process eliminates any uncertainty and confusion.

Step 1: The Application

• Apply online using our short or long loan applications, the long application being the more detailed.
• Or, call us toll-free at 1-800-375-8096 to complete your mortgage application by phone.
• After submitting your online mortgage application, you will be contacted by one of our loan professionals.

Step 2: Document Delivery

• Mortgage loan documents are sent electronically or by overnight delivery.
• Signed documents and all additional mortgage loan information is sent back to nbkc.

Step 3: Appraisal and Title Work

• An appraisal is ordered from a licensed appraiser familiar with home values in your area.
• If the loan is for a home purchase, we will work with the real estate broker or seller to ensure that title work is ordered.
• We will confirm the legal status of your property using the title insurance policy.

Step 4: Closing

• The mortgage loan closing is scheduled after all documentation is received.
• An advisor will contact you prior to the closing to walk through the final information.
• Closing will take place at a title company or attorney's office in your area.