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About Jay Arnold
Advice for New Home Buyers
Don’t be rushed; take your time with all aspects of the process
Jay is the best!
“Jay made himself available all days of the week and made the entire house hunting and closing process easier then it has ever been for me. During one house hunting day, he had sent us 9 tailored loan preapprovals. NBKC also gave us the best rates after shopping around. Every little bit helps in this economy and Jay made it painless. Thank you!! ”
—Darren Schaff from Edmond, OK
Attentive, flexible, and kind with a good price
“Jay was easy to work with and consistently available and helpful. We are grateful for his help setting up a mortgage for our first home together! He is great!”
—kellyemlynch1 from Hyde Park, MA
Jay Arnold earns a 5++ out of 5 !!!
“Jay was very thorough in gathering information for our loan application. He was available by phone, or text, and he answered my questions. He explained the steps in the process and was very efficient and timely. He is friendly and supportive. He will even let you know in the future when the interest rates drop and re-financing would be good to do. So get your loan with Jay and you will Not be stressed. You will be treated as a person--not a commission. This is our 7th home purchase, and this is the only time I have enjoyed the whole process. So Call Jay when you need a home loan !!”
—Pam Cox from Social Circle, GA
Jay Goes Above and Beyond
“We could not have asked for a better Mortgage Officer. Jay is extremely knowledgeable about programs to get better rates and helped us qualify for an amazing mortgage rate for the time. When I compared rates at other vendors, they all said - "yeah, I can't beat that. I would take what they offered and run". Then we found our closing delayed due to a septic issue, and Jay was very insightful about if we should drop our rate or pay for an extension. We found the seller's realtor to be... difficult, but Jay called him up several times to help get more information about what was happening. We could not recommend Jay more!!”
—jessica beverly from Groton, MA
JAY ARNOLD is the BEST!
“I started working with Jay Arnold nearly a year ago, trying to find a home in Virginia or West Virginia. He was Very Helpful EVERY step of the way. When I stopped looking during the winter, he set a tentative date to resume working with me. In toto, 'we' went through 4 homes before we completed this one on July 15, 2025. Circumstances changed, houses went under contract, then came out of contract because of inspection issues. Jay never batted an eye, we just moved on to the next property that caught my attention. I have dealt with mortgage companies that could not be bothered to answer questions (Some of which were procedural), wanted me to do all the work, tell me an operation was NOT possible even though I was assured by the realtor it happened on a semi-regular basis, or never called back when I left a message. I could very easily imagine one of them 'firing' me as a client because I was too much trouble. Jay would answer my messages almost immediately- EVEN WHEN I WAS SURE HE HAD TO BE ASLEEP! He was always cheerful and made me feel like I really mattered to him. I'm sure he had MULTIPLE clients he was working with, but I felt like I was his only one, getting all his attention. He also has a great sense of humor. I cannot imagine a better representative for a lender than Jay Arnold, and would therefore recommend NBKC to anyone looking for a mortgage.”
—Rhoda A Northrup from Charleston, WV
Great Experience
“Jay was a pleasure to work with. He answered all my questions and responded to my requests promptly. It was over two years between first contacting him and finally buying a house, and he stayed professional and friendly the entire time. It was a sincere pleasure working with him. ”
—Dennis Rayburn from West Haven, CT
Great Bank and Especially Great Lender
“NKBC made the process of buying a home seamless. The fees for closing were also exceptionally low. Jay, our lender, was involved with every step of the way, helping us out. The experience was great!”
—shahmvivek from Lancaster, MA
Jay was a great resource and support during our loan application
“We wanted to recognize Jay for going above and beyond to help with our VA loan to purchase a house. Jay was a wealth of knowledge and went above and beyond to support us as buyers. I would highly recommend Jay to anyone looking for a VA home loan. ”
—BeckyG from Lawrenceburg, KY
Amazing Lender
“Extremely professional and helpful throughout the whole process. Worked hard to put me in the best position possible and make this task very easy to get through.”
—wcbrent from Brookline, MO
Wonderful Service
“This lender provided the best of informational explanations and documentation processing. He worked with me every step of the way and was available to answer any questions I had at any time, even on weekends. His aid made this part of the home buying process marginally less stressful.”
—michaelwilcox1999 from Denver, PA
Get to know Jay
What is your motto or personal mantra?
Obstacles are what you see when you take your eyes off of the goal
What is your favorite sports team?
Pittsburgh Steelers
What is something that people would be surprised if they knew about you?
To pay my way through college; I was a police officer.
What’s your alma mater?
KU
What is on your bucket list?
To learn how to fly.
What aspect of your job are you most passionate about?
Helping people realize their dream of home ownership and getting to know them in the process.
Where did you grow up?
As a little boy (until 10 years old) I grew up in a small rural town south of St. Louis and then moved to Johnson County in Kansas where I still reside today.
What are some of your hobbies?
Golf, boating and all types of watersports (waterskiing, wakeboarding, etc.) and smoking BBQ
Before working at nbkc, what was the most unusual or interesting job you’ve ever had?
Worked on a golf course at a country club during my high school years.