After working as a CPA for the first few years out of college, I joined the mortgage industry in 2003. My expertise in interpreting tax returns has allowed me to assist numerous self-employed borrowers qualify for mortgages when they have been turned down by other lenders. I provide excellent service to all of my clients by concentrating on their needs and wants when it comes to a home loan. I try to make the process as easy, organized and efficient as possible by structuring everything correctly from the very beginning, and communicating as needed throughout the process. I strive to make the home buying experience fun and enjoyable for our clients and set proper expectations. Our bank provides among the best rates and closing costs in the country for all available loan products, whether it be Conventional, VA, FHA, or JUMBO loans. If you need assistance in buying or refinancing your home, please give me a call.
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You couldn't wish for a better loan officer
CJ is incredibly responsive, kind and honest and has the best products available. He is patient and works hard to ensure that all documents are correct and that you are getting the loan product that you want. Thank you, CJ!
Jill from Sacramento, CA
Stars in the universe of mortgage loan providers
CJ exceeded my expectations for excellent service. When one very large mortgage broker told me there was no hope to refinance my home, CJ – in his positive, enthusiastic way – just pressed ahead. He made me feel like a person, not just an applicant. He responded very quickly to all of my queries.
NBKC carefully scrutinized my situation (self-employed), which paradoxically made me feel good. They were careful about approving me as a debtor. I wasn’t surprised by their diligence. They have a Weiss bank rating of “A”, not easy to earn.
Both CJ and NBKC stand out as superior stars in the universe of mortgage loan providers.
Forrest from Pleasanton, CA
CJ was on top of it and always quick to respond. He outworked other lenders and got us the best rate. Everything went smoothly! Thank you!
Laura from Boulder, CO
Incredibly easy and efficient
I wanted to refinance to take advantage of the low rates at a time when thousands of other people were doing the same. I contacted a few lenders and found they had long processing times due to the volume, so I was pleasantly surprised by how responsive NBKC was.
I filled out the online interest form in the evening and got an email from loan officer CJ Sears almost immediately. The process was so easy and quick that I actually wondered if it was real. Turns out, it was. Not only that, CJ helped me qualify for some discounts on closing costs and was able to get the appraisal waived, saving me even more.
NBKC is focused on excellent service and it really showed in my experience with them.
Andy from Washington, DC
Great mortgage refinance experience with CJ!
The mortgage refinance experience with CJ was super smooth! Would highly recommend CJ and his company!
Amy from Cincinnati, OH