I was looking for a refi loan for my home. I found Patriot Financial online while browsing for refi loan rates. Matt responded to me within minutes of my query. I was leery at first to deal with a total stranger and online, but Matt was so straight forward and direct to the point that I became comfortable immediately. I received several responses from other brokers, but none hit the point or warranted follow-up. Matt said what my rate would be and all the costs right at the outset. There were no unwanted surprises. He said what he would do and did what he said. This entire deal was handled online and required only 2 phone calls. We both did what we said and there was never a moment of hesitation. I got the loan, rate, and terms that I wanted the 1st time. Nothing changed in the deal from the 1st response I got back from Matt. I had many home loans and refi's in the past and even used the same personal broker on many deals in the past. None of those deals or experiences compare to my experience with Matt. In fact Matt has now replaced my past broker. Patriot will need to compete in the future for my business, but I expect the results will be the same as this time. If you want the best possible deal that you qualify for, and don't want to waste time, I would call Patriot Financial. I could not recommend anyone or any broker more than Matt and Patriot Financial. P.S. Check out the Patriot Financial website. Matt publishes weekly newsletters, economic forecast reviews, and has many helpful information sources.