I am an Army Veteran, I have been doing home mortgages over 20 years. When I am able to help my fellow Veterans through the mortgage process for them to be able to purchase a home, that is what makes my job fun.
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Ratings & Reviews
Another great experience with Bernie
This is the fourth a loan or refinance we have done with Bernie Kalmus and he never fails to provide top-notch service. As a 27-years active-duty Naval Officer, I appreciate Bernie‘s commitment to fellow veterans and I know we are getting no-nonsense service and advice. The rates are unbeatable, and he goes above and beyond as a loan officer. I cannot recommend him enough.
Trey from San Diego, CA
What a great experience!
Bernie made the whole process very easy and kept us informed along the way. He was very quick to respond to emails. He is very knowledgeable servicing a VA loan.
Nadine from Pacific Grove, CA
Always Fantastic! Transaction #3
Bernie goes above and beyond! We have used him several times and he is just awesome! Highly recommend to everyone! And many friends and family members have used him and they were SO happy with the results. Always more competitive rates and lower closing costs. Not to mention the impeccable customer service! Thanks Bernie!
Kathy from Wichita Falls, TX
Amazing pain free experience
Everything was super smooth from day 1! Bernie made this process amazingly straightforward. This is the second refi he has helped me with and I highly recommend him!!
John from Smithfield, VA
Bernie is the best!
Call NBKC bank and ask for Bernie! He is awesome! He was always attentive to my needs, patient, and very knowledgeable. We will use him again!
Evan from Las Vegas, NV