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finder.com’s rating: 3.7 / 5.0
★★★★★
NBKC is a VA lender with easy online access and competitive rates. It offers VA home loans nationwide despite only having physical agents in the greater Kansas City area.
Loan products offered | Conventional, Refinance, VA, FHA, Home equity (limited availability) |
---|---|
Minimum credit score | 620 |
Minimum down payment (Conventional) | 3% |
State availability | Available in all states |
To qualify for a VA home loan with NBKC, you’ll need to submit your Certificate of Eligibility and DD214 (if no longer active duty). If you have a service-related disability, inform your lender to get the funding fee waived. NBKC generally requires a credit score of at least 620 to qualify for a loan.
NBKC is accredited by the Better Business Bureau (BBB) and has an A+ rating for answering 29 complaints over the last three years, 25 of which have been closed in the last 12 months. As of September 2021, the bank has 1,365 customer reviews, averaging 4.86 out of 5 stars. Its ranking is considerably lower on Trustpilot, where only 9 customer reviews have contributed to a TrustScore of just 2.5 out of 5 stars.
Online customer reviews praise loan consultants for personalized service, prompt responses and expertise. However, a few negative reviews say their closing process was slow and delayed.
NBKC offers experienced customer support and a mobile app that helps you keep tabs on your mortgage from your smart device. But you won’t find the convenience of a local branch.
Compare top brands that offer VA loans by state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.
If you’d like to speak with a representative to start the process, contact customer care at 800-375-8096.
To be approved for a VA loan with NBKC, you’ll need a:
Have the following information on-hand before applying:
What other loan products does NBKC offer?
NBKC also offers personal loans, business loans and student loans.
Can I use a VA loan more than once?
Yes. Once you have paid the loan in full and disposed of the property you are able to apply for a new VA home loan.
Veterans who have lost a previous VA loan to foreclosure or bankruptcy may also be able to apply for another after a two-year waiting period.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top home loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, product selection and borrower experience.
Read the full methodology of how we rate home loan providers.
Review by
Kelly Waggoner is the US editor-in-chief at Finder. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.
NBKC is good for veterans in all 50 states, and offers a completely online application. But if you’re looking for in-person support and don’t live in Kansas City, you’ll need to look elsewhere.