Matthew has not only been the best Lender of all time, he has become a friend. Matt went beyond the duty and truly held my hand through this what felt like growling process. He was always available. I do not think I ever waited for a response from him. This speaks volumns to his character where patience is at the top of the list. I highly recommend Matt and Southern Trust for all things mortgage. I cannot thank him enough for the numerous hours, and tireless support thoughout this home owenership process.