I've done about 8 different mortgages / refinanced with different lenders and brokers, and this was BY FAR THE BEST EXPERIENCE. Chad Klotz and SeaTrust were able to lock in a 15-day rate and process/close the loan in two weeks (special thanks to Terri Durkin for processing so quickly!). The rates were very competitive with other lenders, but SeaTrust's processing speed and customer service set them apart from everyone else. Chad was always willing to answer my questions and explain the process nuances, making me feel fully comfortable throughout the loan process. SeaTrust's application process was very streamlined, as they were able to leverage basic info I provided to pull important underwriting information, limiting the amount of time I had to take for finding and uploading information. Overall it was a great experience and I look forward to working with Chad and SeaTrust in the future!