Matt is a true professional. After searching and comparing for a number of weeks, I came across Matt through Zillow. The rate and terms quoted were quite simply the best. We have great credit, and expect to be rewarded for it, but I kept feeling that the other lenders we spoke too were padding the closing costs, or baiting and switching with higher rates. Besides getting the best rate and terms on our 30 year cash-out fixed refinance, Matt also closed the loan in 11 days! From the time I called Matt, to signing the last page at the attorney's office, the entire process took 11 days! Keep this in mind when you are looking for a lender. Can they actually close the loan they quoted you in the time frame of your lock? I love to brag when I get a good deal. Finding good deals is somewhat of a passion for me. It was nice for me to hear our attorney complimenting our loan. He had simply not seen anyone else get the rate I got with the closing costs I paid. Most people paid over 1 point more to get our rate. Matt is nice, responsive, funny, and most importantly he knows what he is doing. Matt kept in close contact through email and phone calls during the entire process. I am proud to be the first person on Zillow to write a review. I took a chance, since he was new to Zillow, but after calling Matt, I felt comfortable proceeding, and I was rewarded for doing so.