"Initially when I spoke to Matt about refinancing on a $45,000.00 loan, I asked him if it was advantageous for me to refinance. I asked him to give me his honest opinion. He stated that he will call me...Initially when I spoke to Matt about refinancing on a $45,000.00 loan, I asked him if it was advantageous for me to refinance. I asked him to give me his honest opinion. He stated that he will call me back, after doing some calculations. He did call me back, and stated that I would save from paying too much interest on the loan, after giving me a 2.99% from 5.50%. I am glad I did speak with him. I wish I had done that 2 years ago. Matt was knowledgeable, courteous, professional, and I would say honest in his interaction with me. He made everything easy as far as signing the documents. He guided me through all the complexities. Thanks Matt."