Hi. I have scoured this forum for the 3 months during our mortgage journey and didn't find much about this lender so I though I would share our info. We applied for preapproval with Navy Fed and with NBKC back in January. Husband's was the lower score (middle 659). He also had a late pay in June 2018. Oh, and he started in a new job in April 2018-needless to say I was nervous. We were preapproved with both lenders with NBKC having a better rate and less closing costs (no origination fees on VA Loans). They also ran file through automatic underwriting. Fast forward to March 1-our house sold and we had a contract accepted on our new home so we went ahead for full approval with NBKC. Our originator was amazing-asked for a reasonable amount of paperwork, nothing out of the ordinary: no LOE's,only cleared earnest money check and homeowners insurance. Closing date set for 4/12.
Appraisal received March 22
Went to underwriting on April 6
Received approval from underwriting April 8 (NO conditions at all, I give credit here to the LO for gathering everything upfront)
Closing disclosure April 8
Clear to close April 10
Closed on the 12th
I was a nervous wreck the whole time, but it was an absolutley seamless process and we are THRILLED. Good luck to you all!
