My name is Carlos Julia. My wife and I are about to close very soon on a refinancing loan with Loan One. The mortgage consultant that I have been working with has been Matt Mathias. I am writing to you to let you know that Matt has been absolutely fantastic throughout this process. Not only has he been able to work out a refinancing package that worked for me but he has been able to explain things in a way that simplified what would otherwise be quite complex. There were many other options I could have gone with that would have been just as agreeable on paper but sometimes personal service and professionalism is what it takes to give a company a competitive edge. There were times when the process was so tedious and frustrating that I was ready to throw the towel in. Matt was able to reassure me and alleviate any concerns I had. I believe a job well done should be recognized. I appreciate the service and expertise that Matt demonstrated and I believe you let him know that his hard work did not go unnoticed.