Matt Bittner and his entire team at Southern Trust did a remarkable job of navigating our second REFI within two years on the same property. When I first engaged with Matt, the numbers and rates were still not where they needed to be to make another REFI economic sense in such a short period of time. Over the next month and a half, Matt continued to monitor rates, and then quickly notified me once the target rate was achieved with no points being paid! Outstanding! Like a true professional, Matt kept us informed on the timeline and the process all the way through closing. Showing up at closing with a nice bottle of framboise was a classy touch and the icing on the cake. Again, GREAT JOB and my wife and I wish you and your team continued success!