Matthew Bittner did an excellent job at guiding me through a refinance. I would definitely use him again for any product that Southern Trust & Mortgage offers. He was extremely knowledgeable, very responsive, and went the extra mile to assist in all of the necessary steps to do a VA refinance (which can be challenging). He delivered on time and as promised; anyone would benefit from his experience. Thanks Matt, I appreciate all the hard work to get us through the process efficiently!!!