We had owned 3 houses before moving to California, and had worked with quite a few mortgage brokers and bankers on loan applications and refinances. Our experience with Matt has been the most smooth and informative. We started house hunting in early July and closed on a house in early December. He always responded to our inquiries quickly and delivered what we needed even with a short notice. He was patient in helping us to monitor the mortgage rate and provided critical help on what options we could choose to lock the rate. He also informed us every step of the way. We know we can trust him and will recommend him to our friends.