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.