So been thinking about doing a refinance on my home as well as taking a line of credit out to do some home improvements. Matt McLean was very knowledgeable with his 31 plus years in the home loan mortgage lending industry. Even though my inquiry did not turn into direct business for himself, he was friendly enough to point me to other sources in order to find the type of loan that I was interested in. He also listened to my circumstance as far as a refinance option was considered to take extra money out from my home equity and advised me to keep my existing loan as I was on a shorter term loan program with a lower interest rate. Matt McLean also informed me that if I could wait a bit, he is thinking that interest rates might be coming down again considering the information the Fed's put out today regarding interest rates and how they relate to the bond market. As a Christian lender, I have confidence in trusting Matt McLean going forward with my potential business and will be referring him as well for future leads. Thanks Matt McLean for your honesty!