NBKC Bank offers various loan programs to meet the diverse needs of their clients. Here are some of the loan programs they provide:

1. Conventional Loans: These loans conform to the guidelines set by government-sponsored entities like Fannie Mae and Freddie Mac. They typically require a higher credit score and down payment, providing flexible terms and fixed or adjustable interest rates.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are suitable for first-time homebuyers and individuals with lower credit scores. They offer low down payment options and competitive interest rates, making homeownership more accessible.

3. VA Loans: Designed for eligible veterans, active-duty military members, and surviving spouses, VA loans provide financing options with no down payment requirement. These loans offer favorable terms, including low interest rates and relaxed credit qualifications.

4. USDA Loans: Offered by the United States Department of Agriculture, USDA loans aim to assist individuals living in rural areas. They provide 100% financing, low-interest rates, and affordable mortgage insurance options for qualified borrowers.

5. Jumbo Loans: NBKC Bank also offers jumbo loans for borrowers looking to finance higher-priced properties. These loans exceed the conforming loan limits and require larger down payments.

6. Refinance Loans: Whether it's to lower interest rates, shorten the loan term, or tap into home equity, NBKC Bank provides refinancing options. Clients can explore cash-out refinancing, rate and term refinancing, or streamline refinancing for an efficient process.

NBKC Bank's loan programs cater to a wide range of customers, ensuring that individuals have access to financing options that suit their unique circumstances and goals. Please note that additional details, eligibility criteria, and terms may apply to each loan program offered.