"Online portal was easy to upload and process documents. Email communication was timely."

"Access, advice and ease of communication"

"Matt was very responsive"

"To much paperwork."

"I felt rushed communication was horrible. I would never use this company moving forward."

"Matthew communicated well with us and made the loan process as painless as possible."

"Transparency in closing disclosure, quick rate lock."

"Matt was very communication. available 24/7. answered all my questions any time of day. got my deal done amazingly and smoothly with a quick close. even the title company said he was the best lender they've ever worked with. will definitely use again and recommend to others"

"Matt was helpful with every step of the mortgage process. He was very easy to reach by phone and text message."

"Everyone we dealt with at Churchill was extremely helpful. Matt went out of his way to check in with us regularly all the way through closing, making it much less stressful for us as first-time homebuyers. The rest of the team guided us through what is an unavoidably complicated process and made it as painless as it could possibly be."

"Thanks Churchill, Matt and his team for a great experience!"

"Timely responses"

"Prompt and attentive to details"

"Matt put in a great effort to make sure I was well informed about anything in his area of expertise every step of the way. He was courteous, very pleasant to work with, and made it clear that he had my best interests in mind from the start to the finish of my home purchasing process. I am unlikely to be in a position to be able to make recommendations to my peers regarding home purchases any time soon, but if I did have the opportunity, I would certainly recommend Matt and his team for a loan application."

"Matt is professional, personable, responsive, knowledgeable, friendly, and an overall great person to work with. He worked so well as a key part of our stellar team to buy our house in this crazy 2022 market. This is our second time working with Matt and I'm sure it won't be our last. Our realtor loved him too and has already referred him to some clients of hers. Thanks so much Matt Ricci! Can't wait to work with you again in the future."

"Matthew was always available to help me throughout the home buying process. He made me feel valued and important. He was always forthcoming and answered all of my concerns. The process became overwhelming at times but Matthew did everything he could to help me to the finish line. Im so very grateful!"

"Matt and his team were very professional and knowledgeable with guiding the purchase of this property. Beyond the transaction, Matt and team were hospitable and patient with answer questions, waiting on documentation and streamlining the closing process. I will continue to use and refer Churchhill Mortgage."

"Matt and the team is amazing. I was working with another lender prior working with Matt and I keep on getting push back. Matt is the only lender who actually took the time to listen to me and address my concerns and questions. Now I just got a house thanks to Matt and team!"

"Smooth transaction. Very patient and took the time to answer all questions no matter how ridiculous they were."

"Matthew Ricci is absolutely outstanding. Extremely knowledgeable, pays attention to detail and extremely client focused. I recommend him extremely highly to any future clients."

"Matthew is the consummate professional on every level. His knowledge and expertise in the field made the mortgage process less stressful. Matthew and his team were always pleasant and approachable!"

"Matthew truly went above and beyond to help me close on my refinance."

"Fast and easy"

"Matt is very thorough, works fast and explains things very well. Makes sure i am doing what is best for me and my family."

"I was given advice on which product would work best in my situation and Matthew was quick to get the process started once I made my decision. The whole team kept me updated on the status of my loan and if there was any further information needed. The whole thing was quite smooth."

"From the first phone call Matt was very concise and provided us with accurate information. Matt was available at every turn and very pleasant to speak with. He made us feel like we were in good hands. We had full confidence in him."

"Matt is just the best. It was nice that he gave us his personal phone number, and even talked to us after hours on his own time. He's so helpful and kind. 10/10 employee. Very nice to work with."

"Matthew was very responsive and helpful ."

"He helped my family and me on every step. He even helped us out on our budget which made it possible for us to offered our new home."

"Everyone was very communicative. Explained different items throughout the process. Always available"

"Mr. Ricci is helping us very professionally refinance my mortgage. He is the man I'll recommend to my friends. Thank you,"

"Matt and His team are great, made my home purchase a breeze, would highly recommend."

"Thanks it was great making business with you"

"Matt made the process very simple. He did not hesitate to walk me through the process and even settle down all my anxiety."

"Matt was encouraging and supportive every step of the way. He was efficient and responsive to all our needs and went above and beyond in each part of the process. Additionally, he cared about and championed our goals, always keeping our vision for the future in mind."

"Matt was quick to answer question and very know knowledgable. It made my second home purchase pleasant."

"Communication"

"Matt was very helpful and answered all of my questions when I switched over to Churchill after a bad experience with another loan company. He made himself available for all my questions and was very kind."

"If there had not been an issue with the closing."

"Matt was there at every step and never let a thing fall between the cracks, despite as serious illness gong on at the same time."

"Service was very professional and efficient"

"Our whole refinance was easy and went so smoothly. Great communication from Matthew!"

"I would love a lower interest rate and no closing cost"

"Professional, punctual, and good communication."

"Matt went out of his away to explain our options and inform our decisions-- he helped us understand, which in turn made us feel more confident in our final choice."

"Matt was clear, patient, and enthusiastic throughout our home buying process. One of the most impressive professionals I have worked with over the course of my entire career."

"Matt, along with Grace and Terri, were great to deal with. Their fast friendly approach kept the whole refinance process running smoothly. Thanks so much! -Dane and Heather"

"Speed! Precision! I never waited more than a few hours for a response and progress. Matt and his support team served me at the pace I move. Fast!"

"Matt was almost always available and helped me stay on top of what I needed to get done. This is the second time I've worked with him."

"This was an easy process. All questions that I had were always answered by Matt. I will definitely refer my family and friends to him for mortgage needs."

"Lighting fast response times to any questions we had, even on weekends."

"We were able to get my husband with no credit score (not bad, just no credit), on the mortgage with me. Our realtor’s recommended mortgage guy would not put my husband on since he didn’t have a score."

"The app and the team made document control and open items super easy to work with."

"The process was really smooth. Whenever I forgot something, Matt & team would send me kind reminders and would describe exactly what they needed from me."

"Great guy, great professional"

"Great advisor to my mortgage needs. My go-to guy."

"Matt was always available for questions and or concerns. Even at our closing he was available via telephone. There was an issue after closing and Matt helped smooth things out. Pleasure to work with."

"Always made himself available, answered questions and instilled confidence in us through the entire process."

"Refinance process was moved through efficiently"

"We had some issues with the appraisal. Matt was able to work with us to fix them."

"Good job matt"

"Matt did a really nice job of taking care of our family throughout the refinance of our home. It was always there to help guide us and explained every question in detail. Thanks Matt"

"Matt was great to work with!"

"Very responsive, helpful, thorough and professional."

"Matt moves with real speed. For a very slow process he made it very fast. If I could give him higher stars I would. I for sure think whatever Matt makes he should probably make 25 percent more. He educated me, kept me engaged and when I wanted to quit the process and go with someone else.. (no fault of his) I am nuts.. lol He was happy to call and just talk and educate me on the process and why certain things are the way they are. I will never work with another company or person for my lender needs thanks to Matt."

"Matt is very informative and responsive. Made the process a pleasant experience."

"Attentiveness, quick response time"

"Matt does amazing work! He has the heart of a teacher & operates with integrity. He is very responsive & looks out for the homeowner’s best interest. Dave Ramsey needs to hear about this- Matt & his wonderful team at Churchill are the real deal & does Dave Ramsey proud 🇺🇸"

"Matthew is prompt, professional and extremely helpful."

"The communication, the service and quick everything was made this experience great!"

"Communication, speed, professionalism."

"Very helpful in an unusual situation."

"Matthew Ricci is 10/10"

"Very easy to work with made things fast and headache free"

"Fast and easy"

"We learned! Matt was so patient listening to our situation and what our goal was. He graciously explained each of our options and helped guide us in the right direction. He and his team were so pleasant and helpful, they could not have made the process seem any more stress free. Thank you!!!!"

"Matt was extremely helpful throughout the entire home buying experience for our family. In addition, he was extremely prompt and responsive to any questions/comments/ concerns or documents needed. Matt was extremely helpful with providing visuals and mathematical breakdowns to our mortgage range we were working within. My husband and I would absolutely recommend working with Matt to our family and friends who plan to buy their home in the future!"

"Matthew and his staff were very efficient and made this process so incredibly easy."

"Excellent communication and quick processing."

"Matt made sure that we knew what was needed each step.of the way and kept in constant communication with us throughout the process."

"Matthew did a great job of explaining the process to us as first time homebuyers, and the team was incredibly responsive"

"Matt was truly transparent in all he conveyed through my refi process. Integrity and Honesty are what helped me make my decision to go with Matt and Churchill Mortgage"

"As a first time home buyer it was alot of paperwork and dealing with things I've never heard of before but i was able to ask questions and get understanding."

"Being a first time homebuyer, we obviously had plenty of questions and Matt was always there for us. He is incredibly knowledge and makes you feel like family. I am very happy to have has him on our team during this process and would recommend him over and over again."

"He was very helpful and patient while we tried to gather the docs needed to complete the refi"

"Matt was always quick to reply and provide honest consultation. I felt he was looking out for me!"

"Great customer service. Personal attention. Fast turnaround. Straightforward."

"Dude was good. Plus he texted back right away. Surprisingly a pleasant experience with never actually meeting him in real life."

"Good communication and comfort. Matthew responded quickly to all questions and concerns."

"Easy to understand information. Answered questions quickly Closed Fast. Thank You"

"Everything"

"Matt was awesome! He was there for us from start to finish. He and his team made for a excellent refinance experience. Thank you all so much! We really appreciate it. The Richards’"

"Matt helped us through the entire process and answered any questions we had."

"Matt made the process very easy and closed quickly."

"Great rates. Honest. Worked with us on a plan that would work best for us."

"Matt and his team were very professional and helpful during the entire process."

"Matt always made himself available to answer my many questions and guide me through the process of securing a home loan."

"Matt was easy to reach and great explaining all the details to first-time homebuyers"

"Everything was completed quickly and the process was very smooth would definitely use again"

"No delays with my mortgage. Constant communication and very timely responses. Loan closed with NO issues."

"Matt was available, helpful, and kind. I appreciated his prompt replies to me with answers to my questions."

"Matt did great"

"Matt was kind, helpful and very fast to respond to our questions."

"From the beginning of refinancing until closing, I felt like the entire team of Matthew Ricci was doing their due diligence to make sure I was satisfied! Great job to everyone involved!"

"What made this experience GREAT was dealing with someone who made me feel he cared. Matthew started the ball rolling on my refinancing within an hour of speaking to me on the phone. The customer service I received was on an entirely different level. I cannot express how happy I am to become a Churchill customer. Mathew and the rest of his team made it happen and I’m forever grateful. The only regret I have, is that my mortgage wasn’t with Churchill from the very start. However, as the old saying goes, “Better late then never”!"

"Matt was excellent to work with. Friendly, responsive, honest, and prompt. Was a pleasure!"

"Matthew took the time to explain things and walk me through the process."

"Clear and constant communication by all parties"

"Matt was quick to respond to any questions or concerns that I had. He gave detailed explanations regarding my refinance options that helped me make the decision."

"Very responsive and helpful."

"It was my first experience with Refinancing. Im not sure what the Home Loan Specialist could do."

"Matthew always answered all my questions in a timely manner."

"Ir was quick and seamless"

"Matt helped us through the process of getting our first home. He was attentive, knowledgeable, and responsive. Highly recommend!"

"All questions always answers promptly"

"Very knowledgeable and willing to answer any question at any time of any day."

"How he researched my background with collections and that helped my score"

"Matt took the time to explain everything about the mortgage refinance process. He answered any questions I had promptly and was always very pleasant."

"Matt Ricci made it great. Nuff said."

"The staff’s patience, feedback, and guidance during this entire process!"

"Knowledgeable truth"

"Matthew was clear, patient, open, and honest with us throughout the entire process. He is trustworthy and made the whole process a whole lot easier and more pleasant."

"He had demonstrated and unwavering confidence in my ability to obtain the mortgage. His availability was perfect and his communication was excellent. I felt like I had someone in my corner every step of the way."

"Matt went above and beyond to communicate quickly and helped position us as competitive buyers. Our offer ended up beating 11 other offers and Matt can be credited with helping us navigate the process to make the best offer possible."

"Matt took the time to work with us and patiently explained the benefits of the refinance in our case. He handled our initial objections professionally and without hesitation. He also got right back to us immediately any time we needed something clarified."

"Always reaching out to us and keeping us on track. Always willing to explain everything"

"Matt helped me obtain mortgage on my first home 3 years. He and his team helped tremendously to get our property closed."

"We had couple of hiccups along the way (nothing to do with Matt and his team), and they were able pull through and get our closing done on time. I really appreciate Matt and his team's efforts."

"Communication"

"Matt was helpful and informative. He was there for me with every little question or concern that I had."

"Matt and I have worked together on several transactions, and he’s been an absolute dream every single time!"

"Very easy to work with. Great communication with fast responses to questions. Went above and beyond to get us the refinance package we wanted!"

"Matt and the rest of the team is super understanding and communicative throughout the process. Our initial mortgage and now our refinance were processed quickly and efficiently. The estimates and walking through every aspect of each mortgage option was very helpful as well!"

"Everything was easy and streamlined. Thank you!"

"Matt was very responsive and professional. Willing to take the time to answer all questions clearly and concisely."

"This was our first home and Matt helped us from the beginning not only in falling in love with the numbers but also in learning all about the process. He walked us through every step of the process so that we knew exactly what was expected of us and what we could expect. We had a great first-time buying experience with Matt."

"Matts clear, understandable, usable, guidence and instruction during our first time applying for a mortgage to purchase our first home was incredible and predictable which made us feel confident and secure to continue the process. Everything Matt told us happened exactly the way he said with absolutely no deviation everything was true and now because of his support We own a home and we're walking through that door with the first pleasant memory which was getting the mortgage from Matt and Church"

"We had been out of the housing market for many years, so a lot had changed. This was also our first home purchase in Massachusetts. Matt walked us through everything we needed to know and guided us towards a mortgage solution that best fit our financial situation. He also took the extra step of contacting selling realtors to affirm our financial position each time we made an offer - that was a huge benefit in this highly competitive market! We highly recommend Matt and Churchill!"

"Value added advice and service provided from Matt and his team."

"Good communication and you walked us through our options well so we understood that we're are going."

"Every person that I had the pleasure to work with was professional and pleasant during every interaction"

"N/A"

"Matthew was friendly and consultative throughout the entire process. As first time home buyers my wife and I really appreciated the level of service we got throughout."

"Matthew and Grace they both were very professional and their knowledge helped, which made buying a home a easy process."

"Matt was knowledgeable, professional and so helpful with our refinancing process. So grateful for him and Churchill Mortgage."

"Matt made everything so easy. He was very responsive to any questions we had. Couldn’t have gone more smoothly!"

"Matthew was there all the way down to the real beginning. Thank you."

"Thank you"

"Matt made the process very easy."

"Matt was a pleasure to work with right from the start. Matt and his team executed seamlessly from start to finish. I would highly recommend Matt Ricci and Churchill mortgages for your refinance!"

"Working with Matt was a great experience all around. He made the refinance process go effortlessly. Matt is professional and highly skilled in this field. He knew exactly what to do to get the job done. I would absolutely recommend Matt to all my friends and family!"

"Matthew was so great to work with! He listened to our goals and gave us the best options to make those goals obtainable! The process from the application to the closing was so easy. The communication from the various departments during our refinance was second to none. I appreciate the honesty and transparency of the process, costs, and fees. I will definitely recommend Churchhill Mortgage and Matthew Ricci to family and friends!"

"Matt was great to work with, I could call or text anytime with questions. I would definitely recommend him to anyone needing a mortgage."

"Matt was very easy to work with and explained the process simply. If I had questions he was quick to respond to my texts or emails."

"The whole loan was handled by Matt. I provided all the paperwork and he and his tram did everything else. One of the fastest and least troublesome refinance I've ever had. Matt is always available to answer any questions I may have and makes the while process easy."

"Matthew wend above and beyond and made our refinance really easy for us.We recommend Matthew : )"

"Matt and his team were a pleasure to work with. He was very clear in explaining the information. Matt was always available to answer questions no matter what time of the day."

"Simply seamless."

"Matt was great! We had the whole process started and ended in just a couple months. Very impressed!"

"I received great communication and knowledge from Matthew and his team throughout the process."

"Matt and his team were very helpful, knowledgeable and patient with me during the entire process. I’m currently recommending friends and family to Churchhill Mortgage."

"Matt has over 30 years of experience in the mortgage business and it shows! He does whatever takes to get you the best!"

"Matt is a fantastic individual to work with when acquiring a mortgage/refinance. He will do whatever ever he can to make the experience an easy one. We refer individuals to Matt all the time!"

"Worked very hard to make my mortgage refinance happen! Friendly group of people with excellent communication!"

"Responsive, knowledgeable, and straight forward answers to all my questions/concerns helps to make this a smooth process."

"Thanks for all of your help and the prompt answers to questions!"

"Every person that worked with me through Churchill was very easy to talk and pleasant, especially Matthew. His friendly disposition made it easy to get through the initial experience . I found this whole process super fast, easy and smooth !"

"Exceptional advice, awesome service and quick turnaround. A pleasure to work with Matt Ricci and the Churchill team."

"Matthew made this process easy and painless. It was a great experience!"

"Matthew was so helpful and always available. He made sure we knew all of the available options and he was able to tailor a plan to our unique situation. Any time we had questions he got us answers even after hours and on the weekends. It was a pleasure doing business with Matthew and I wholeheartedly recommend his services."

"Matt always goes above and beyond to help his customers. Excellent communication."

"The experience was night and day compared to when we processed our first loan with our previous agency. Matt and his team were easy to communicate with and made the transition with very little stress to our family. Big thank you to Matt and your team!"

"."

"Matt and his team were great to work with and made not fun process not too bad."

"Matt is very professional, prompt, and knows his stuff. He helped our mortgage refinance go through smoothly. Thanks Matt."

"The communication by far!"

"Matthew and his team made the process of refinancing a painless one. They answered all our questions promptly and walked us through each step, answering all our questions promptly. The only "issue" we encountered was that the documents sent to the lawyer for closing did not have updated information causing a delay in signing. Otherwise, every was professional."

"Professional, friendly, efficient, timely, accurate, honest, accessible. Could not have been better. A blessing."

"Sound advice. Easily reachable. Open to answering any questions that popped up. Great personality."

"Matthew was a pleasure to work with. He was very helpful with explaining in detail the refinance loan options available to me, which helped me to make the best decision for my situation. He also communicated well in ensuring that I understood the application and approval process for refinancing my home. Thank you, Matthew, for a great experience!"

"Matt looked out for me and made sure I understood what my options were every step of the way. He definitely set me up for success and I’ve been telling everyone I know who mentions they’re looking at homes that I have a great guy who handled my loan. 10/10 for sure"

"Responsive and timely communication. We appreciate his honesty and integrity and the prompt attention from the team."

"Everyone was friendly, quick, personable, and efficient. If I emailed a question, someone called me in minutes. I am thankful refinancing was so easy."

"I know we live in a COVID world today, however I personally miss the human interaction. Thats all!"

"Great communication, quick responses, made the whole process smooth and simple."

"He supported us through the process and made sure we were prepared. A great experience and we will recommend him to all our friends."

"The entire team was friendly, answering any questions thoroughly and promptly. I never had follow up to see if they were getting things done. They were on me to make sure I was staying on track. Great job guys!"

"Mr. Ricci was very professional and he was great and dealing with my concerns. I have already recommended him to a friend."

"Thank you"

"Thank you to Matt and the team. Efficient and smooth process!"

"The process so quick!!! Matt and his team always there to answer question and help me through the process. I never thought it would be that easy. Great job!!!"

"Matt is good at making you feel like a friend more than just a transaction"

"The process was smooth and very organized."

"He did a super job in finding me the lowest rate! I couldn't ask for better. And will be forever grateful for his advice in this matter!"

"We had more problems than you could imagine. Every thing would go smoothly and then a problem would rattle everything. No one did any thing wrong, it was just more problems than you could possibly even Imagine. How ever, Matt stuck with us, helped correct the issues and we reached a satisfactory conclusion. This was not the norm, but we got through it with his assistance."

"Great communicator. Always available. Got back quickly with answers."

"Working with us on a couple of challenges from our past. Matt and his team was very professional and honest. My wife and I would recommend to anyone."

"Great rate, great service. The app was very easy to use to upload all the documents."

"Constant attention to detail and continuous feedback by all involved"

"Great experience"

"Matt is a pleasure to work with. Extremely responsive. Very thorough. And makes everything extremely easy to understand and make the process smooth. Can't recommend him enough."

"Matt was timely with info and was always Available when we had questions. The experience was easy and painless"

"Made the process easier than I thought was possible. Thanks Matt!"

"Informative, personable, fast and efficient...Matt is always a pleasure to work with. Thank you."

"Everything went great with our refinance. I have recommended Matt Ricci to several people."

"Insanely responsive-- answers every call and text immediately! He was a great guide through the process of buying! Thanks Matt!!"

"Matt was very helpful!"

"Matt was very helpful and easy to work with through the whole process. He was great at communicating what needed to be done and completed everything in a timely manner. He also gave us the assurance we needed to buy our first home!"

"Easy process, everyone involved emailed back promptly and everything was fully explained. A really great experience!"

"From the beginning, Matt was engaged, answering our questions and ensuring that we did what was best for us in our situation. Matt is a true professional with right demeanor, attitude and proactiveness to help."

"I had a very positive experience working with Matt! He answered all of our questions promptly and was easy to reach/accessible. Matt was honest and clear about the mortgage process and was very accurate with the estimates and timeline he provided given our situation. The mortgage process can be overwhelming at times, but I truly felt we were ‘taken care of’ by all the employees at Churchill Mortgage! Top Notch Customer Service!"

"The process was quick and simple."

"We had a great experience working with Matthew and the rest of the Churchill mortgage team. We received answers very quickly and we had a very smooth closing. Matthew helped us get everything in order so that that buying process was seamless."

"Matt was a delight to work with. He was so quick to respond to our many questions and was so very helpful throughout the entire process. I highly recommend him."

"It was a smooth process. This is the third time I have refinanced/purchased a home and it was by far the easiest."

"The process was simple and there was good communication throughout."

"Great experience with Matt. He was very helpful in every step of the process"

"The only reason we are in our dream house right now is because of Matt and his team. They are the most hard working, efficient, and dedicated group of people I have ever worked with. From the beginning Matt made the process easy. He didn’t just return our phone call but responded with an entire video presentation explaining the different rates and options available to us. The service just got better and better after that. We got the an incredible rate, and the best support system in the buisnes"

""

"Matt is always available and always pushing to make things work. His hard work and dedication made my mortgage and my refinance super smooth. Matt is a wonderful customer service asset."

""

"Presentation I received with all of my options was great. I had a stress free and easy experience. Everyone was helpful and great to work with."

"Matthew was very helpful and informative throughout the entire process."

"Matt was super responsive and willing to accomodate my unique situation. He was also very friendly and responsive throughout the entire loan process."

"Matt was outstanding in his area of expertise & in explaining the detailed process of purchasing a home. He has the heart of a teacher, an honor Dave Ramsey distinguishes what separates the competent from the excellent. Thank you Matt, you & your team were wonderful to work with, & now- me & my family have a new home we can enjoy!!!"

"Smooth process"

"Very fast responses on any and every question!"

"Thorough, knowledgeable, efficient, easy to work with."

"All the staff that participated on my refinance were always very responsive to any questions I had and were very clear on everything that needed to be done. The closing portion was also seamless and easy. I highly recommend Churchill and Matthew!"

"Communication, attention to detail, and the feeling that he/they actually cared about helping me."

"The Great rating is because there are only three options with the next highest being "OK." I would have preferred a "Very Good" option. Matt's service, team efforts, communications, prompt responses are very good. The numbers in the MCD varied widely--a $1400 swing-- from the actual one and the one given only a day or so earlier. I was surprised the penultimate MCD did not more accurately reflect the additional closing costs within the Churchill family."

"Matt was very knowledgeable and made the process so easy. He returned phone calls immediately and the rest of his team and the app made this whole experience effortless. Thank you!"

"Easy to work with and explained everything during each process of the mortgage application to closing!"

"Constant communication and answering questions before we asked. Ease of process made it easy to complete documents and utilizing a platform to e-sign documents during these unusual times! Great experience overall!"

"Very simple and a pleasure to deal with, took much more time to explain info than most people."

"I had a great experience."

"Great experience"

"My experience was GREAT because Matthew Ricci answered every question I had and never made me feel my question was irrelevant. His response time to all my emails was prompt and he impressed me with his knowledge. Matthew really made the refinancing of my home go very smoothly. I was most appreciative of his efforts and the time he gave to me and my financial questions. I will recommend him and Churchill Mortgage to my family members and friends. Wonderful experience. 😊"

"Matt was the only mortgage broker/banker to really look at my financial situation. I have numerous tax deductions & he took the time to look at the WHOLE scenario even though I am self employed. I was refinancing my mortgage that I had been paying on, never missed a payment since 1998 & lowering my payment & have an excellent credit score & no other debts. He guided me thru the process as I am also not computer suave & all was done via the internet. I highly recommend Matt!!"

"Matthew is Very professional and have a lot of knowledge! Made the process easy and understandable."

"Matt was so helpful walking me through the refinance process. He pleasantly answered all of my many questions to put my mind at ease."

"Matt was always available to answer any questions, very knowledgeable and pleasant to work with!"

"Easy process and signed all the closing documents at my house"

"It was a pleasure."

"Initially there was an issue with communication. Once the issue was brought to the attention of Matt he reached out within minutes, provided me with his cell and would text and call with updates. The process was quick and easy. The presentation showing my options and all the details with each option made finding the right choice for me and my family very easy. I wouldn't go with any other lender for future refinances or new mortgages. Although they are a national lender, it had the local feel."

"Very helpful and informative. Straightforward and kind!"

"Matt and his entire team were great to deal with. They were prompt with communication and very knowledgeable. I’ve already given Matt’s website and email out to two friends. I’ve hesitated for several years to refi because of the process and this completely changed my perspective. Thank you, Matt!"

"Very informative and did a great job explaining every step to us. Answered every question we had in a timely manner."

"FRom Mattś introductory video to closing, I can honestly state I felt valued as a loan consumer."

"Matt knows his products and goes the extra mile to help you get the best rate and mortgage possible. He is pleasant and responsive and always makes you feel you are his only client. Thanks for all your help in getting our rate and mortgage payment lowered!!!"

"Great service and always looking to get us a fair deal!!"

"Very easy process"

"Matt, thank you for making it an easy decision to become a repeat customer!"

"Matthew is awesome, friendly, professional and knowledgeable. Was the easiest mortgage process I've ever had. Thanks for the help!"

"Very easy process! Everyone I worked with was pleasant and kind"

"Matt was efficient and to the point. Did not have to wait and any questions were promptly answered. His team was efficient and always available. It was a smooth and easy refinance process."

"He answered all my questions during accurately and timely"

"Matt was available to us ANY TIME, answering all questions. He made this process a very positive experience for us as we are first time home buyers. He explained very thoroughly with detail the process and went over all of our financial information and mortgage options with us. He was really wonderful to work with and easy to talk to."

"Matt pretty much , and the ease of working with his team"

"Matt is a great commutator, he is knowledgeable about the process, and always straightforward."

"Amazing service and great mortgage programs. No hidden fees or surprises."

"Matt and Churchhill were great. They were super fast, responsive, and competent. We were ready to close when they said we would, and even our title company was impressed. I will never use anyone else."

"Friendly, fast, and patient. This was my first home purchase, so I had a lot of questions. I didn’t feel like I was an inconvenience when I asked them. :)"

"They care. The team is amazing! I know they cared because they always got back to me quickly if I had questions or requests for information. I felt like their only customer. And we meet Matt in person! He’s a stand up guy! 5 STARS!"

"Great working with Matt!"

"Matt was great throughout the whole process!"

"Anytime I had a question he or one of his team members quickly responded."

"The team was thorough and knew exactly how to handle our situation."

"It was seemless"

"The presentation put together by Matt was unexpected, but exactly what we needed! It showed us our loan options, as well as what we could expect pay, which in turn helped us understand what we could afford. Matt was always accessible and insightful throughout the entire process, as was the entire Churchill Mortgage team. They made what we thought would be a stressful and difficult process, as smooth as can be. Thanks Matt!"

"It was a very good experience for us. Matthew understands our current situation while doing Dave Ramsey´s baby steps. Definitely recommended."

"Communication could have been much better. There were too many people involved in the process and I got different answers from each of them. Communication with our realtor was not always efficient. We were asked to submit things we had already submitted."

"We were referred to Churchill from Dave Ramsey. We were not disappointed. This is my second time working with Matthew Ricci. He is extremely easy to work with. We have already recommended him to others including my daughter. Thank you and God bless."

"The great part of having Matt Ricci as your Morgage investor is he is a part of church hill morgage who support the Dave Ramsey theory. That is to get rid of your credit cards and save up with a emergency fund and, which we have. I have not owned a credit card for over 10 years, have no debt, own my cars, paid all my bill on time. I said all of that to say this, the great part is he will get you a loan with no credit score when all the rest will require a credit score. Thanks Matt Ricci"

"Matthew was professional and extremely knowledgeable. The transaction was seamless and couldn’t have gone smoother. I look forward to being able to refer friends and family to Matthew and his Team!"

"Whole process was made easy especially doing two mortgages at one time"

"Great follow through, I was keep informed at every strep, Our closing was so simple they came right to our house."

"This is not the first time I have refinance my residential home mortgage with Matt Ricci. From the very first time I found Matt to be very helpful, straight forward with facts and guidance. Matt never pressures you to commit to refi with him; but gives you the options for your consideration and ultimate decision. I have recommended Matt to other family members whose experience was very much the same as my own. I would recommend anyone to Matt."

"Matt was always available to answer any questions we had. He was very personable and professional and very informative."

"Matt was very helpful upfront in helping us to determine the wisest budget for our home and after that he was very responsive and supportive in the whole process!"

"I trust Matt. He helped us before and now he is helping us with a refi and purchase. Matt is attentive and always available. He is very approachable and dependable. I am glad I have Matt for my mortgage needs. Thank you Matthew!"

"Matt was great at guiding us through next steps of each part of the process. Each challenge wasn't treated as a surprise or an inconvenience but just as another detail. Matt and his team were attentive and thorough."

"Matt was extremely professional. He knew his stuff and was able to answer any questions we had in a timely manner. I would highly recommend him."

"Matt was great to work with."

"Matt made the entire refinance process very easy for us. It was not at all stressful - he broke everything down, was very quick to respond, and patiently answered any questions we had. I would recommend Churchill Mortgage without pause to anyone looking to refinance."

"We LOVED the financial comparisons Matt was able to provide for us to see which houses and locations would be best suited for us. Matt was available for any and all questions and walked us through every step of the way with patience and knowledge. We felt that Matt was on our side, which is everything you want when taking out a mortgage!"

"I appreciated the honest feedback, it made this process smoother and more comfortable."

"Matt and his team were friendly, informative and efficient. We enjoyed our experiences with them."

"Matt’s team was patient and available during the entire process! They were clear with their communication and helpful when things didn’t always go as planned."

"Matt provided us with resources and financial advice early so we could be sure we were being wise in the price range we were considering. He was very responsive and helpful during our entire house buying process. We would highly recommend Churchill Mortgage and Matt Ricci in particular."

"Helped me a lot. Nice guy too."

"The process was easy and straightforward. Matthew helped us understand the options and make the right decision for our family."

"I was able to reach Matt and his team almost any time of day they were knowledgeable and very responsive never felt alone or abandoned throughout the process. This is the fourth time I have gone through the home buying process and I never new it could be so painless. The team was honest and forthright thanks to churchill and Matt"

"Matt was so friendly, personal and helpful."

"Matt was great to work with. His humor made the stress a little easier to deal with."

"Matt always responded quickly and, most importantly, made himself available at unconventional hours. We appreciated his doing all that was required around our work schedules. It's always a chore to pull together the necessary documents for a transaction like this, but I have to say that everyone at Churchill made the process simple. Every person that worked on our loan kept the pace up not allowing anything to fall through the cracks and we were ready to close early."

"Was available when needed."

"A"

"The team followed up and was very diligent in dealing with a difficult bank that was involved in the process."

"Matt is incredibly down to earth and explains all the crazy mortgage stuff in simple terms that I could understand."

"Awesome service from the get go !!!"

"Was very quick to respond and always gave a great answer to the multiple questions I had."

"Mathew was always available and answered all our questions."

"Wife did most of the online communications."

"Mathew Ricci is the best. He communicates quickly and honestly ensuring that there are no surprises along the way. I have worked with Matt twice over the years. The first time was when I secured my initial mortgage and he provided advice that allowed me to secure a 15-year fixed rather than a 30 year mortgage. I then called him again some time later when rates dropped and I was considering a refinance. Once again his advice saved us thousands of dollars and a couple more years off our term."

"Communicated the numbers in an easy to understand manner. Was available to answer and address our concerns. He kept us informed of the process throughout the application and approvals."

"Very happy with Matt!"

"Matt Ricci is the ONLY mortgage broker we'll work now since our last 5 property transactions were all so fantastic. He goes above and beyond to help get details squared away and keep things moving. He's honest, extremely competent with understanding (and explaining) the most financially sound direction and SO FUN to work with - an absolute one of a kind. Churchill Mortgage in general is great but Matt is their key asset!!"

"Matthew was quick to retrieve the I formation I requested and the whole process was simple."

"There were many moving parts and team members that helped along the way and ALL of them were very competent, efficient, and super helpful. I was very impressed by everyone’s professionalism! I have already recommended you to multiple friends that are trying to refinance their current mortgage-thank you for making this process seem so easy."

"Friendly and professional. Matt did a fantastic job and explained everything throughout the process very well."

"You did an awesome job talking my husband and I through our refinancing."

"Quick response and attention throughout. Really appreciated the informative and visual breakdown of our options with the numbers displayed in a simple, easy to understand format. We felt as though our best interest was at the forefront through every interaction. Honesty and integrity were evident. Thank you!"

"Matt was great to work with, from our initial consultation through closing he was informative and extremely responsive to all of our inquires. Thank you!"

"He was responsive immediately on a consistent basis and i appreciated that. He was courteous as well."

"Matthew calm demeanor help us through this process and guided us through. We have never had done it without his wisdom."

"There was no high pressure. Everything was very educational and informative. Our options were explained very clearly and questions were answered very well. The support staff was great. They made you feel like you had an entire team working for you."

"The whole process felt comfortable and easy. I knew I was working with a knowledgeable professional that worked for a reputable company. My wife and I felt peace of mind that we were being taken care of and not being sold something. We were put into a product that fit our needs and saved us money. Thanks for all your help!"

"Setup was great loan process was great . But on closing and end of loan was very poor and very bad communication with me and getting things completed at closing . Your group hit it out of the park in beginning. But at the end really need to build communication bonds better with the customer. But overall very pleased . Thank you David & Debbie Beasley"