Hillcrest Bank

read moreIronically, common sense has never been all that common. If it were, banks would only sell you what you need. Everything would be fair, without all of the fine print. And, when your banker looked at you, they wouldn't just see a number, they'd see a dad, or a mom, or a graduate, or a business owner. That's why at Hillcrest Bank we understand the complexities of people's lives and offer simple solutions. We call it banking with common sense, and we invite you to do the same. Hillcrest Bank is a division of NBH Bank, which is a subsidiary of National Bank Holdings Corporation (NYSE: NBHC) and operates a network of banking centers throughout Colorado, Kansas, Missouri and Texas.

read moreCommon sense is about more than banking. It's about putting interaction before transaction. Being friendly and staying sincere isn't just how we do business, it's who we are. It's part of our Common Sense Philosophy, and keeps us connected to our community - big or small - on a personal level. We believe in the importance of collaborating with, and learning from, organizations that help provide educational programs to people of all ages. Whether it's through local school districts, or programs that support financial literacy, we are dedicated to collaborating with community partners on education initiatives.

read moreBecause a mortgage is such an important financial commitment, be sure to take your time and carefully fill out the application as completely and accurately as possible. Not disclosing credit problems up-front or holding back requested documents will only delay the process and potentially prevent the approval of the mortgage loan. So, it's to your benefit to fully disclose everything about your finances. If you're buying a home for the first time, the down payment on the home can be the most challenging obstacle.