What Matt’s clients are saying

My experience with Matt and his team was, most assuredly the BEST! I was referred to Matt, by a trusted person in my life, I couldn’t have been more blessed! My previous Lender and Realtor, unbeknownst to me, negotiated a 17 day escrow with the seller! Matt, came in with less than 17 days to rescue me. Matt’s handling of my home purchase was done with a gentle tone, exquisite explanation of the process, he listened, he truly cared about me in this process and I am all the better for it.
-Paula T.

Matt and his team are 100% honest and don’t try to hide anything! They answered all of our questions and never made us feel like there was information being kept from us. They set us up for success with our first home purchase and we will send all of our friends and family to them and will come back to them for future home purchases.
-Lauren

My wife and I were buying our first home together. Matt and his team made this dream come true! It was exciting and easy to work with Matt and his team. They were respectful and professional. Matt has a great attitude and is available always to answer questions and deal with any concerns we had. I cannot write enough praise about our experience with Matt and his team. We thank you to the moon and back!
-Mike & Tessa

Matt was patient and fully embraced my journey to buying my first home. My result with Matt was excellent both in my satisfaction with the home I purchased and the associated financing. It would be easy for me to recommend Matt to family and friends on the basis of his expertise, service, and transparency.
-Reed

I will always recommend Matt and The Blue Waters group to anyone because I know that they will provide honest, sensitive, efficient and gracious service. Thank you Matt.
-Jim C.

Selling and buying a home can be a stressful experience, especially in the current market. Enter Blue Waters Mortgage and Real Estate. From start to finish they were present to support, answer questions and had a keen attention to detail throughout the process. I felt I was in good hands. Matt, is well acquainted with the Folsom area and market. Matt has the years of experience, knowledge of the area and a love for the area! All three make for a win for any seller and a win for any buyer!
-CB

We have had the pleasure of being associated with Matt and his Blue Waters team of professionals for nearly a decade. During that time he has guided us through two refinance processes helping us achieve some important financial goals. The team has always been extremely helpful with clear communication directing us to the most appropriate opportunities for our situations. Their personal attention to every detail allowed us to make big decisions with a very secure sense of confidence.
-Carlson Family

My fiancé and I had no idea where to start or how to approach buying a house. Matt talked us through everything and made buying a house seem like a real possibility. And then we did it! Matt and his team were incredibly informative and supportive throughout the entire process. I’ve already recommended them to my brother who is looking to buy his first home.
-Kyle C.

Smart and professional! Made everything clear and efficient. Highly recommend!
-Derek C.

Upon meeting Matt, he took us around Folsom to tour different neighborhoods and look at homes for sale. Matt is from the area, and was extremely knowledgeable and forthcoming about all related aspects to buying a home in Folsom. We very much appreciated how honest he was with us and it was quickly apparent how were lucky we were to have Matt as our realtor.
We looked for many months with Matt, and he always made time for us despite our busy schedules. There were even times where Matt would work with us late into the evenings. What we appreciated most in Matt is that he never pushed us in any way despite finding many homes that “checked all of our boxes,” and was as patient and helpful as ever until we found our perfect home.
Matt was ever present and helpful scheduling home inspections, handling communication with the sellers, and seeing the sale through until the very end. He is a man of honesty and great character, and worthy of your trust.
Thanks Matt!
-Reese and Ava

Matt and his team are the best in the business. Professional and personal service rarely come from one place yet Matt and his team know exacting how to make that happen. I will continue to work with him for all of my mortgage and real estate needs.
-Amy B.

Working with Matt it was clear that his only priority was getting us a house we would be happy and comfortable in for years to come. He didn’t try to make the process fast, easy, or rewarding for himself. He did, however, put in the research, time, and effort so the home-buying experience would be fast, easy, and rewarding for us, his customers. It truly felt like he was on our team from day 1.
This was our first home buying experience and we went in with little knowledge about the process. He was well-informed on everything and able to answer all our questions in a manner that was easy to understand. He helped determine our priorities and find homes that fit those priorities. When showing homes, he pointed out items that met our “must-have” check list, and he wasn’t hesitant about bringing to light the flaws of each home. He picked up on the nuances that we liked and didn’t like in each home so he could continuously improve the house hunt.
#TheHuntingOfHillHouse
-Annah R.

My mom and dad were getting ready to sell their house of 45 years and I knew exactly who they should speak with about selling their home. Matt was our realtor/mortgage broker when we bought and sold our home, so we knew what kind of service he and his colleagues provide. Matt spoke with my parent’s at the beginning of the process and answered any questions they had. This was especially important since this was all new to them. My parents were particularly impressed with the drone footage of their unique property, which was included in high quality video showcasing their home beautifully. Every person my parents interacted with at The Blue Waters Group were attentive and understanding of all concerns expressed. It’s clear that there’s a team atmosphere within the office which helps clients feel at ease if, on occasion, their particular realtor isn’t available. I would refer anyone to Matt and his team as they have proven once again that they provide above and beyond service.
-Britni A.

This is our 5th transaction with The Blue Waters Group and there is good reason we continue to use them for our real estate and mortgage needs. Given the uniqueness of each transaction, Matt and the team have proven to be experts in navigating this complex and ever-changing landscape of. I have full trust that The Blue Waters Group can and will continue to be the premier one-stop shop in the Sacramento area.
-Philip W.

I consider Matt “one of my people”. He is in the same group as my doctor, dentist, CPA and attorney. A trusted source that I can turn to when I need his services. His team is made up of all stars!
-Amy M.

Matt, and the entire Blue Waters team, all provided over-the-top assistance with the sale of my house and the process of the entire transaction. It’s VERY nice to deal with such knowledgeable and capable people. I felt very secure dealing with all of the team members…that they were doing everything they could to help me out. I would not hesitate an instant in recommending Matt and the Blue Waters team to others. I am very glad someone recommended them to me!
-Anonymous

Matt is an outstanding individual and a fantastic real estate agent. I was honestly a difficult buyer and Matt was extremely patient with me as we looked and looked for many months for the perfect house. We finally found it and Matt did a fantastic job! Matt is intelligent, articulate and a real estate expert that you should utilize in your search for the right property or to sell a property.
-Dave O.

Matt & his team were terrific in getting our refinance completed. Everyone was very knowledgeable and helpful. This is the second time we did business with them and I wouldn’t go anywhere else.
-Loraine G.

Super incredible team!!! Matt takes the hands off approach when Families are considering their options, no high pressure sales here!! I love this about Matt and his team! When we decided to finance through BWG, we were welcomed with very capable and helpful individuals that guided us through each level of the loan process. I cannot say how much we appreciate this Group of super professional individuals! Every chance I get, I tell friends and family about them!! Thank you again for handling things for our family once again!
-Rob and Rebecca K.

Matt was great during the entire loan process, he is always very helpful and patient with us. Donna was also very helpful and was always there to answer our questions. Thank you Matt and Donna!
-Vern and Elaine J.

Matt and his team assisted me through some challenges in getting my refinance completed. They are knowledgeable, professional, responsive, and great to work with. They provided me with regular check-ins so I could keep up to date on the process. It was a pleasure to work with them and I would highly recommend them.
-Monica G.

From the moment I called Matt to ask about refinancing our house, he hit the ground running. We had difficulty in the past with the ability and he was always positive and willing to invest the time to see what all of our options were. He was never negative, always had information to help us and always returned my call within an hour to take the time I needed with him. The women who work with him were always friendly, helpful, and had the same attitude toward me as Matt. It was a very wonderful experience working with The Blue Waters Group.
-Jennifer H.

Matt and his team were fantastic as usual. We have used Matt for more transactions than I can count (mortgages, refinances, buying, selling). His team is competent, friendly and super quick to respond to questions or concerns. Matt is so well versed in real estate and lending in general, but also very in tune with the market. We love The Blue Waters Group.
-Nathan R.

Going into the scariest decision of my life (buying a house), it was the best decision to choose The Blue Waters Group. I never felt that the team was not in complete control of every situation and had our best interest in mind. Even though we had no idea how the whole process worked, we were guided through with ease. It was such a great experience and could not have gone any better. We are going to miss talking to the team everyday and will be singing your praises to everyone we know. Thank you so much.
Jared B.

Matt and his team did a wonderful job and made me feel confident and comfortable throughout the entire process. Any obstacles were handled with a calm and efficiency rarely seen in high pressure situations. Thank you to The Blue Waters Team for making this such an easy process!
-Dan M.

Matt and everyone at the Blue Waters Group make the home buying process as easy as possible. When one person is unavailable others are there to help with any questions or services we may have needed.
-Brian P.

I was under a severe deadline to find a home and close the escrow quickly. Matt, motivated by my urgency, met with me on short notice and discovered my needs and wants. He kept those in mind as we looked for a home and did not try to show me anything outside of my parameters. He was organized, friendly, accommodating, patient, knowledgeable and available. As a result I was able to purchase a home that fit my checklist and budget in the desired time. I would not only use Matt again for my own real estate needs, but would also recommend him to others.
-Tom S.

I have now used Matt twice as a mortgage broker to purchase a home. In the 7 years between my first home purchase and this most recent one, he has opened his own company and grown in his knowledge and customer service. The entire Blue Waters Group team was helpful and friendly and accommodated my push to get through escrow in an expedited manner. They made the stressful process of buying a home as smooth as possible.
-Burke W.

Matt and his team worked hard to get my house to close incredibly fast despite all the obstacles that we encountered! I really appreciated their hard work and dedication. They are easy to communicate with are incredibly nice. My experience as a first time home buyer was great. Thank you Matt, Donna, and the whole team!
-Tasha M.

Matt was well versed in laying out in a side by side comparison of what I would be saving with my refinance. He was very approachable in assisting me to understand certain processes and they types of loans that would best afford me the savings one would expect with refinancing.  He’s very well spoken and takes the time to answer all questions thoroughly. I would recommend Matt to anyone of my friends looking to refinance.
-Anonymous

Matt and his entire team were kind and friendly. They understood that this process can be stressful. But they made it quick and easy. We appreciated the good communication and great customer service!
-Rob & Rebecca K.

Trustworthiness and Service just begin to explain why I choose to work with Blue Waters Mortgage and Real Estate. For the last 13 years my wife and I have financed 2 home purchases and multiple refinances through Matt. I am a Realtor and I have seen all kinds of client experiences with lenders and mortgage brokers. Some people are easy to work with, others, more challenging. I can say that it is a true pleasure to work with Blue Waters. I am so happy that I have them as a resource for my buyer clients. Just yesterday one of my clients thanked me for referring them to Blue Waters because they are so supportive in the home-buying process. If you are reading this trying to decide who to trust for your home financing needs, you have found a gold nugget in Blue Waters and your search has ended!
-Matthew D.

This is the third time I have worked with Matt. I originally purchased my home through him and have now refinanced through him twice. The first refi was very challenging, but Matt and his staff were professional and helpful through the whole process and we got it done. The second refi was a breeze. I would not hesitate to recommend Matt and the Blue Waters Group to anyone looking for mortgage or realty services.
-Chris B.

The Blue Waters Group was instrumental in successfully assisting us in the purchase, financing and refinancing of a home this year. Each of these transactions were conducted in a professional and competent matter by all of the staff which allowed them to close in a seamless and efficient manner. Having 2 distinct experiences in close proximity to one another proved that this type of service is the norm at the Blue Waters Group. I will be returning to the Blue Waters Group for all my real estate and home financing needs. I highly recommend you do as well, you won’t be disappointed!
-Anonymous

Matt and his “crew” were referred to us by a friend. We were hesitant to dive into the purchase of home with past credit issues and employment changes. I called and spoke with Matt and he provided guidance, his knowledge of different options that we would be able to take advantage off and agreed with no hesitation to take on our “not so common” purchase. Matt and his staff were available to us 24/7, even taking calls and answering emails on weekends and while on vacation.
Erin is the best! She was able to work with the lenders and guide us through the paperwork. Chris met us to sign, what an exciting day. I recommend the Blue Water Group. – Thanks Guys
-Amy R.

The very best in the business by leaps and bounds. I am one of your biggest cheerleaders on the sidelines. I enjoy watching your business grow!
-Amy M.

Matt and his team are professional, supportive, patient and knowledgeable. They made our first time home purchase comfortable and easy. We felt like we were in capable and trustworthy hands and knew that Matt had our best interest in mind. He gave advice when asked but was particularly skillful in passively guiding us to make our own decisions based on what was the best fit for our family.
Thank you Matt and Blue Waters Group; we’ve been singing your praises to everyone we know!
-Jennifer E.

This was my 3rd transaction with Matt and the team. I’ve had tight timeframes and different situations with each and Matt always delivered on time and above expectations. The most recent property was out of the area and Matt was great with all other parties involved. I refuse to use anyone else for a mortgage.
-Kieran M.

Matt is wonderful to work with. This process is stressful and can get confusing. Matt listens to what the client wants and stays the course, even when the client gets off course. He steers the client back to regain focus. He did that for us, kept steering us in right direction. Also, he thinks ahead of the other agent and the mortgage company. He anticipates what is needed, which gives you time to prepare, reducing your stress. We will use him for all of our real estate and loan needs.
-Anonymous

Love, love, love these folks! Their professionalism and wonderful sense of humor has made the home buying process much easier than we had expected. Matt and his team helped us work through some past credit concerns to qualify and ultimately purchase our home. We could not be more pleased with the service we received. Matt and his team (Chris, Erin and Donna!) will be at the top of our list if we need to refinance or refer a friend!!
-Amy N.

Matt always has the answer to all my questions. He puts me at ease during the entire process. He’s extremely responsive.
-Steve W.

Matt and Blue Waters offer complete professional real estate services. They take the extra step to make sure your mortgage needs are met, delivering various options so you may choose the best fit for your personal real estate needs. I will let my friends and family know that Blue Waters is the “full sail” choice in real estate.
-Pam M.

Matt and his team are wonderful. After running into trouble trying to refinance our home with other companies, we desperately needed a personal touch to look at our case. Matt really cared about our situation and was extremely knowledgeable on what to do to get it done. The process was quick and surprisingly easy. He communicated with us on every step of the process. Calling Matt was the best decision we made.
-Tina S.

Matt was able to educate and assist us as first-time home buyers, who knew very little about the system. He helped us through every step of the way and it was extremely convenient and helpful to have him act as both our agent and our mortgage consultant. We ended up with the perfect home and exactly what we wanted to start our family in. Thank you Matt and the team at Blue Waters Group!
-Alyssa P.

This is my second refinance with Matt and his group. We refinanced 3 properties at the same time (a big undertaking) but I knew that I could trust Matt and his team to get the job done. His personal touch helped to keep my anxiety level low. Matt and his entire staff are masters at keeping me in the loop. I am comforted in knowing that I have “one stop shopping” for any real estate need in my future.
-Diane W.

Matt has helped us with several transactions from buying and selling real estate to refinancing. In all instances he has helped us think through the best options for our financial health. In my ignorance, I often come up with creative ideas about ways of re-working deals and Matt is always quick to point out if something is a “slippery slope” and that he couldn’t do it in good conscience. I really appreciate his wisdom and integrity in these regards.
-Nathan R.

We looked for a new home for nearly a year. Matt quickly learned the key features that we were looking for in our home, and could tell right away if it was one we should tour. Matt kept up his patience with us through the whole process. After viewing many, many homes we made our purchase last month. We felt so confident during the whole process. The team at Blue Waters kept us informed just about daily on the progress of the inspections, escrow, and loan. We can’t thank them enough!
-Deb O.

We were referred to Matt by close friends and were skeptical as we have had a few bad experiences with Loan Officers in the past. Our experience with Matt was wonderful. He was always communicative and prompt. When we didn’t understand something he made sure to take the time and explain it so we did. He has a great team (Erin and Donna) and everything went smoothly with them. We never felt “forgotten” or unimportant. Everyone was prompt, even during the holidays. We wouldn’t hesitate to use them again should the need arise.
-Danielle D.

We worked with Matt to purchase our first home and then Matt alerted us to a competitive no cost refi. Both experiences were fantastic. Matt and the team worked to keep us informed and calm. He’s really patient and will talk through everything. We’re so happy with Matt and the whole team and recommend them to everyone we know!
-Sarah D.

I was a first time home buyer and to make things a little bit more difficult I just recently moved to California in 2011 and knew nothing on what to expect.
Matt was very honest from the beginning, he disclosed everything and explained what my house buying experience would look like. He was there from the start and was definitely there until the end, even after the sale was closed! Now that’s customer service for you.
-AyV U.

Since I have returned to Matt at Blue Waters Mortgage three (3) times speaks volumes to the trust and integrity I feel he shares with the client. The office staff is professional, yet friendly, and no matter how small or large my lending needs were, I was treated with the same amount of dedicated service.
Donna B.

Matt was a pleasure to work with during home buying process. His knowledge and experience in the mortgage industry was instrumental in helping me understand the process and expectations. He was very patient, a good listener, and responsive to all my questions. He understood my timeline to get into a house and did everything he could to make it happen. I trusted him and never felt any pressure to make a decision that I wasn’t comfortable with. Most importantly I could tell he cared about my family and our needs. I would absolutely recommend Matt to anyone of my friends and family.
-Anonymous

My wife and I attempted to make a contingent offer on our dream home because we didn’t think we could get approval to own two houses at the same time. Matt found a lender which allowed us to make a strong non-contingent offer and did his best to make sure the pre-approval was accurate. I’ve known Matt for years and know that he is very ethical so I trusted him completely. When the lender tried to change terms after our offer was accepted, Matt went to bat for us and we managed to work out our differences with the lender and get the house closed in time with the original terms. While the ride was not necessarily smooth, Matt and his staff were with us every step of the way and made sure that we were strongly represented. Thanks to all of Blue Waters for finally making our move to Folsom a reality!
-Justin R.

Matt and his team made our home buying experience a wonderful one! Friends and family members told us to “get ready for a lot of stress” when we told them we were going to be buying a house. Stress was the exact opposite of anything we ever felt. Matt and his team were efficient and always kept us in the loop in regards to our loan and its status. We appreciate their hard work and professionalism and would do business with them again in a heartbeat!
-Jennifer & Bobby B.

Working with Matt, Chris and the whole Blue Waters Team was an incredibly rewarding experience. As first time home buyers, my partner and I were understandably nervous and very unfamiliar with the processes of securing a mortgage and purchasing a home. Matt immediately put us at ease. He was incredibly thorough, explaining every step of the process and taking time to answer any and all questions as they came up. Matt and the team always kept us informed about our progress as we moved through each step and most importantly they kept the first time home buyer jitters at bay. We couldn’t have been more pleased with the experience and we will definitely come back to Blue Waters in the future! We are already recommending Matt and the Blue Waters group to all of our friends!
-Sarah D.

We have found Matt and his group to be knowledgeable, professional, hardworking and patient. We felt we were in good hands through all aspects of the transaction. The one word that captures our experience with Matt is “trust” … we didn’t once feel any kind of pressure to make a quick purchase. We highly recommend Blue Waters for your mortgage and real estate needs and won’t hesitate to recommend them to our friends … and to you!
-Gary H.

I can’t say enough about what a smooth and stress free transaction this was. Matt and all the Blue Waters staff were excellent to work with. We felt completely confident that we were getting the absolute best refinance offer available to us. So nice to work with a company that you trust 100 percent. Thanks for all you and your staff did.
-Natalie T.

Matt was the best. He was so quick to do our refinance. I wouldn’t go to anyone else. We are going to refinance another home. Matt is the man to work with. We feel very blessed to have met him. I have told all my friends and family members about man. They will be calling him soon. Thank you Matt for the best service I’v ever had.
-Linda G.

I can’t say enough good things about this team!!! I recently bought my first home in San Diego, and I couldn’t have asked for a better group to work with for my mortgage. I’m not the most “low maintenance” of clients as I have LOTS of questions (especially as a first-time buyer), and Matt Sundermier and the team at Blue Waters navigated me through the whole process, allowing me to make this huge investment while limiting my stress levels. When you’re buying a home you want the most knowledgeable, trustworthy, and “get things done” team working for you. I got just that with Blue Waters Mortgage and Real Estate Group. Thanks, guys!!!
-Katie M.

I chose Matt to be my realtor for buying my new house, selling my old one, and brokering the mortgage. I wanted my realtor to always know where I was in the loan process, be able to seamlessly transition from searching for a house to the process of buying one, and have one point of contact for everything.
Matt was open to working with me in the ways that I felt most comfortable and productive. For me that meant communicating via email, text messages, and telephone and using multiple websites to look for houses. I’d email him links to houses online and he’d respond with additional information about the properties that I didn’t have access to.
Working with Matt, I never felt pressured to look at certain houses, make an offer on a house I wasn’t excited about, or offer an amount I didn’t feel comfortable with. I really appreciated that.
David L.

We were first introduced to Matt years ago when we purchased a rental property. Since he was so communicative and attentive to the details, we refinanced our personal residence and several other rentals with him also. And then of course we used him when we purchased new properties. Matt is awesome in multiple ways, but for us, because we are self employed and have several rental properties, we have a difficult time getting banks to lend to us directly. We couldn’t even get qualified to do a refinance on our personal residence using another loan broker, even though our credit is great and we have a decent income! Matt has always come through for us – he knows how to package loans to our best advantage. I can’t say enough good things about Matt and his team. He is a joy to do business with, and he has always come through for us. We don’t even shop around anymore – if we need a loan, we go directly to Matt!
-Kay L.

I have been trying to get my house refinanced for the last 3 years. I know I was “touched by an angel” when I got the message to call Matt at The Blue Waters Group. The level of professionalism that I received from Matt and his entire staff went above and beyond what I have ever experienced or expected. Matt paid careful attention to the paperwork needed the very first time we met. That detail made the process move along without any problems. Constant communication via emails, voicemails and in person kept me in the loop. Matt is the type of person you feel truly cares. That is extended by his entire staff. If you are looking for someone to help with any real estate need…..do yourself a big favor and call Matt.
-Diane W.

Thank you for helping us find a great home! Looking for a home long distance with a baby on the way was definitely a challenge, but with all the help we finally found one. We especially appreciate the one-stop shopping and found his mortgage team to be very professional and quick. Thanks again!
-Joanna N.

We had a wonderful experience refinancing with Matt and his team at the Blue Waters Group! Everyone was very friendly and easy to work with. We had a short time frame to get our refinance approved and the Blue Waters Group made sure it was completed and processed on time! Thank you so much for such a great experience!!
-Stacia M.

Matt is an excellent communicator and knowledgeable in the fields of mortgage and real estate. He is willing to do everything to put his client’s needs first. Matt is a very down to earth person with a calming and kind hearted personality. My husband and I felt very well taken care of by him and his whole team at The Blue Waters Group.
We feel completely blessed and have nothing but praise for Blue Waters!
-Lori D

This was one of the most positive business experiences I’ve had! I will ALWAYS use and recommend Matt and The Blue Waters group from this point forward. A huge thanks to this company, and personally, Matt!!!
-Jennifer F.

We came to Matt for financing help after a major bank suddenly decided they couldn’t honor their commitment to meet our escrow closure deadline. Matt exemplifies the professionalism that is so lacking in today’s world. He knows the mortgage/real estate business inside and out, and walked through the process with us, helping sort out anything that came up. He promptly returned every call and email, and reassured us when we became concerned over issues; even our realtors turned to him for help. Matt’s diligence and knowledge are second to none, and we won’t go to anyone else for help with real estate or mortgage finance needs in the future. We couldn’t have been in better hands.
-Sue A.

Matt is a true professional. He kept in close communication and never delayed in responding to inquiries and requests. He is considerate of other people’s time and always has a positive disposition that made a stressful situation much more pleasant. I appreciate his flexibility and diligence in meeting our mortgage needs. In addition, the team at Blue Waters Mortgage was so helpful and a pleasure to work with. Thank you to Matt and Blue Waters team for their professionalism and courtesy throughout this process.
-Katie B.

Matt was there every step of the way to assist even with issues that weren’t his responsibility. Blue Waters Group has a staff that is very knowledgeable and efficient. Any questions we had were promptly dealt with and any issues that arose were calmly addressed and handled. We can’t issue a strong enough recommendation for them!
-Steve A.

I waited and failed to jump on the opportunity when I first contacted Matt. I called several months later and he didn’t skip a beat getting me on my way to refinance.  He was very easy to work with and at no time did we feel out of the loop or less important than any of the many customers I was sure he was dealing with on a daily basis. His staff was great and the title company he selected were nearby and easy to work with. Matt made a very stressful situation bearable.
-Christie A.

Matt helped us buy our home in 2011 and then sell it in 2013 all the way from Canada. The transaction was smooth and efficient. We appreciated Matt’s expertise and advice throughout the process. He is always a pleasure to work with and a trustworthy Realtor to rely on.
-Britni A.

Dedication. Integrity. Experience. Communication. Four simple words illustrate our experience with Blue Waters Mortgage and Real Estate Group. Matt and his team kept us regularly apprised of our loan status and market conditions to ensure the maximum benefit of our refinance. Their work ethic provided the smoothest and most worry-free real estate transaction we have experienced. If you are looking for a local and experienced hands-on group for your buying, selling, or refinance transaction, then Blue Waters is your choice.
-Dan C.

Many of my friends and family, and their friends and family use Blue Waters for their real estate and mortgage needs. Matt has been involved in all of our transactions in one way or another since 2002. He does an outstanding job of living up to the expectations set forth by his predecessors. We have been nothing but impressed and highly satisfied with Matt and his professional, personable and completely competent work ethic.
Casey S.

Matt took the time to show us all over the town of Folsom to get an idea of the type of house and are we were looking for. He then proceeded to find my wife and I our dream home in our dream neighborhood! He was patient, professional, kind and trustworthy. I feel that he got us the best home price at the best rate possible. I have recommended Matt to several friends with total confidence that they will have equally as positive an experience as I did.
-Patrick S.

Matt updated us every step of the way and answered all of our questions/concerns with patience and consideration. Matt worked exceptionally well with all parties involved. We accepted all of Matt’s great advice with trust and appreciation. He is incredibly knowledgeable; we knew we were always in great hands. My husband and I will recommend Matt’s services to any colleague, friend, or family member “…we already have! Thank you, Matt!
-Kaci B.

A health event caused us to start looking for a more suitable home. Our daughter alerted us to a house in Folsom so we called Matt. He immediately showed us the house and we told Matt to start the purchase process. We gathered the documents required and Matt took charge of satisfying all the agents involved. We were not told if there were any problms but we were appraised promptly about progress. We took the keys within the 30 days promised.
-Ed E.

It was a pleasure working with Matt for our first home buying experience. He was easy going, efficient, and supported us through the entire process. His flexibility and knowledge base made us feel very comfortable in every decision that we made. We would highly recommend him for anyone looking to purchase a home.
-Jill B.

Matt is hardworking, dedicated, organized and professional. When numbers, paperwork, and “the home buying process” got our heads spinning, Matt was there to walk us through every step of the way. Matt, Lisa, Donna and Sara make a great team. They never fail to impress! We will continue to recommend Matt and the Blue Waters Group to our friends.
-Tracey M.

We knew we wanted to invest in a second house, but we didn’t know where to start and what to expect. Blue Waters held a seminar about investment housing, which gave us the confidence we needed to explore this option.
Matt’s greatest strengths are honesty and simplicity. He explained things in plain English and provided us with tools to use to determine if the potential investment was worth it. He didn’t pressure us into buying something we weren’t comfortable with.
-Becky O.

Matt has provided services for me on multiple transactions, both in purchasing a home and refinancing that home home down to a great low interest rate, saving me around $300 a month in interest dollars from my original loan! He is a good communicator and he and Lisa have always had our best intersts as a priority and are a pleasure to work with.
-Stephen B.

I very much appreciate Matt’s ability to deal with my frustration and impatience with a long, tricky process and continue to provide good advice and service. On top of all that we still managed to have a good laugh every now and then too. Most importantly I am very satisfied with the final result as I ended up with exactly what I asked for going into the process, a more affordable mortgage payment with the minimum out of pocket expense. Thank you, Matt.
-Anonymous

The thing we appreciate most about Matt is that he keeps thinking about us. He communicates with us about new programs that might benefit us and even comes into our local business. It’s a win win relationship!
-Lynda P.

Matt is superb – a great communicator, highly organized, efficient and extremely knowledgeable. Above all, Matt did a great job explaining all the options and guiding me through the decision-making process. He’s the consummate professional. I’ve already recommended him to my family members.
Rachel W.

I got hosed once by a very unscrupulous mortgage broker and was nervous afterwards about refinancing. I am here to tell you that Matt is one of the Good Guys! It’s reflected in how he does business, how he treats his colleagues and what he shares in his newsletters. This is my second refi with Matt and I trust him to look for my interests with honesty and integrity. I will continue to recommend him to many of my friends.
-Suzanne M.

It was through Matt’s continual contact that convinced us that NOW was the right time (to refinance). His insight, knowledge, and our confidence in his opinion and ethic made our decision to refinance easy. Matt is continually courteous and professional in all our dealings, and is understanding and thoughtful of our concerns.
-Wes B.

Once again, Matt has risen to the top in providing complete client satisfaction. He is dedicated, motivated and driven to not only help his clients but to provide the best most competitive pricing avail for home refinancing. He is efficient, communicative, reliable and most importantly honest. I would not think of working with anyone else since meeting Matt. I highly recommend him to my family and friends.
-Terri P.

Matt is the most thorough and attention to detail person I have ever met. He works very well with everyone and I can not think of anyone in the past that I have ever worked with that is so charming, hard working and on top of what he does.
-Jim P.

Let me just say that Matt is AMAZING. I actually work for a bank and there are certain advantages to taking out a loan with the bank I work for. The reason I have not (and will not) is Matt. I don’t have the time (or knowledge) to look out for my best interest where our mortgage & house are concerned. I am so incredibly thankful that Matt is there to look out for me and my family…I can officially say that Matt has me as a Customer for Life. Thank you for all of your hard work and dedication. You are truly appreciated.
-Shelly S.

Matt’s consistency is something I have never experienced elsewhere. I’ve known real estate agents that were great in the past but they didn’t have the necessary knowledge of mortgage specifics. Matt doesn’t have that limitation, he offers a complete suite of (mortgage and) real estate services.
And to the consistency point, he checks in with you at least once per year, even when you are not refinancing or moving to a different home, to make sure you are informed nonetheless. He even prepares an annual real estate report that details the entire picture for your home. We’ve worked with Matt on two refi’s now and won’t be looking anywhere else as long as he’s around!
To summarize my experience with Matt, in a word, awesome!
-Jeremiah A.

Matt was recommended by a mutual friend. We had no experience in the process that was about to take place and were very nervous. Matt met with us and laid out the process. Matt made it seem very simple and stress free. That was reassuring. As the days went on and various paperwork was submitted, Matt kept us in the loop constantly on the timeline ahead. Matt always made us feel like we were no bother and he had the right answers….which he always did.
Thank You Matt for making our home purchase easy!!
-Rachael G.

Matt was interested in my situation and had good suggestions as to how to resolve some of them without telling me what to do. He has an easy but confident demeanor about him that I enjoyed and trusted…I was coordinating several transactions with him, and he had each step ready and waiting for me. The process was seamless and correct from start to finish. My opinion of Matt as a person and a businessman is very high indeed. Joanne J., June 2011

Matt did a great job! Helpful, polite, patient and very knowledgeable about local housing market. Friendly, direct…..good at explaining complicated terms in simple, easy to understand ways. And excellent at guiding the way through short sale process. He also has a very calm mannerism which is excellent in the stressful process of buying a home.
Very impressed and would not hesitate to use Matt for future real estate purchases or recommend to my friends, especially first time home buyers. As it can be quite frightening buying first time…and kudos to Matt. He made a short sale quite simply a breeze for a single female on her first home buying experience. Two thumbs up! Thanks Matt!
-Victoria L.

We were college friends of Matt’s and so when it came time to look for our first home we thought of him first. Not only did Matt exceed our expectations as a Realtor and Mortage Broker, he was an absolute pleasure to work with. Friend or not, Matt was always professional, attentive, focused and flexible. All traits we appreciated when making such a big decision.
-Britni A.

Having had less than favorable experiences in the past with mortgage brokers, I was very pleasantly surprised with my recent refinance through Matt. He was very thorough, efficient, pleasant to work with, and most importantly, honest and upfront in all of our interactions. He kept me informed of updates and changes in our package, and was able to come up with viable options when roadblocks arose. I will definitely recommend him to friends and family needing real estate or mortgage needs.
-Kim C.

Working through the complexity of a refinance proved to be a breeze with Matt. He was knowledgeable, communicative, attentive and always ready with clear, easy explanations for all my questions. Everything I was looking for in a mortgage broker/consultant.
-Steve W.

Matt is personable and professional. He knows his stuff, he was a pleasure to work with, and he saved us a lot of money. We will work with Matt on all of our Real Estate and Mortgage needs.
-Mike B.

I purchased my house with Matt’s help about 6 months ago and recently Matt notified me that I could save some money every month if I refinanced and took advantage of the low interest rates. As with the purchase of my home, every aspect of the whole process was as smooth as could be and I am completely satisfied ! Thanks again Matt!
-Christine C.

Working with Matt was a great experience. He was very honest and wanted to make sure that we understood the entire transaction.
-Amy M.

I would highly recommend Matt to friends and colleagues, as both a mortgage broker and as a real estate agent. His combined financial, analytical, and interpersonal skills set him apart as unique, as does the one stop shop of having both a real estate agent and mortgage broker as one trustworthy person. First, he saved me a ton of money on my mortgage – his all inclusive rate/cost from a large national bank was as good or better than the online banks! Second, Matt brings both a financial and analytical mindset to home buying process that satisfied the engineer in me that wanted data not emotions. However, Matt has great interpersonal skills and related well to my wife and I. He was very low pressure and took time to explain process and options to us. Matt highly values integrity and customer service – several times he went above and beyond to ensure we were completely satisfied. Thanks, Matt!
-Chris T.

I was thoroughly impressed with not only his professionalism but his knowledge and ability to efficiently, seamlessly and thoroughly handle our refinance process on our homes. Matt is very cordial, honest and easy to work with. He follows through and provides honest information that he can deliver. He handled all of our transactions in a very timely manner and we have been extremely pleased with his services. We will definitely recommend him to our family and friends.
-Terri P.

Matt sincerely wants to help people. If he can’t do something that will help you, he will tell you up front. He has no desire to push you into something that would just benefit him. I will recommend Matt to anyone that needs real estate or mortgage services.
-Gretchen H.

Matt was our real estate agent when we purchased our house in Folsom. When he called about doing a refi, I went with it immediately. We trust his guidance completely!!
-Arend T.

Matt, was completely professional as well as helpful in explaining all aspects of the process in the refinancing of are home loan.
-Glenn B.

I couldn’t have asked for more from Matt. In my first experience purchasing a house, Matt did a great job at leading me through the process from beginning to end. He took the time and effort to first get to know exactly what I wanted and what would fit my needs. Communication was great and any questions I had Matt would make sure to get the answer. The best part of my experience was actually how Matt conducts business got to know me as a person. He was honest and looked out for my needs. I didn’t feel like Matt’s client, but more his friend getting help buying a house. I would recommend his services to anybody.
-Scott B.

It is obvious to us that Matt develops a lasting relationship with his clients and clearly cares about them and looks out for our best interests.
-Steve B.

Matt went the extra mile to find a lender willing to work with my unique situation. From our first conversation to the signing of the loan documents I felt like he was there to help me through the process. Thank you Matt!
-Sheila J.

Working with Matt to purchase our home and secure our mortgage was great. Matt new how to navigate us through (buying with) the short-sale process and the process of securing a mortgage. He made himself available to us when we needed him and really made the whole process unstressful. We would definitely use Matt again in the future.
-Brian W.

Matt made my refinance process easy, quick & issue free. I would not hesitate to refer him to anyone. He is very good at what he does.
-Lisa M.

Over all great to deal with, always there to answer any questions we had, even when he wasn’t in the office. Always stayed in touch with us making sure we didnt need anything, or with any updates he had. We plan to use him in the future. It is great to work with someone who can make things easier for you. Matt did that every step of the way. This was a big deal for us but Matt kept it easy.
-Rheannon W.

From the very beginning he was easy to talk to and quickly gained an understanding for my personal situation and was able to assess how he could help me. He was very friendly and easy to understand. He was able to break things down into terms I could grasp and put everything on the table from the beginning. He was very honest used his own personal judgment to help guide me through my first home purchase. He spoke confidently and knew what he was doing.
-Leah B.

Matt was a really cool guy to work with. He knew everything he was talking about and even though he was out of his normal area he didn’t waste time finding out everything about the area he helped us buy in. He was very friendly and a hard worker. He made sure he had the bases covered before he even approached us with anything just to be sure he was prepared for any question or concern we had. Made home buying an easy and good experience.
-Nathan B.

Matt was great to work with through the entire process of selling our house. From our initial conversations with him to signing the final papers, Matt made things go smoothly and easily. He was informed, technologically savvy, communicated with us often and well, and was so proactive in marketing our house that we sold it in less than five weeks. We will definitely work with Matt again and will refer family and friends to him. Thanks Matt for doing a super job!
-Jean G.

My fiancé and I needed to start the house buying process very quickly and Matt did and excellent job of getting us a head start on everything. Not knowing much about anything we were about to get into, Matt was very helpful in explaining anything we needed to know and answered many question before they were even asked. He knew exactly what we were looking for, and in fact, recommended the area that we ended up buying the house in (we hadn’t even considered that area at first). When we hit a few snags with our loan, Matt was fully prepared to help us do anything we could to get approved and was always very prompt about getting me any new information that surfaced… we were never left waiting and wondering. Overall, our experience with Matt was excellent and we would definitely recommend him in the future.
-Sarah R.

I was a first time home buyer and was very anxious about the whole qualifying process and all that buying a home seemed to involve in general. Matt explained the process so well that I left with a much better understanding of the home purchasing process… From the first time we went out to look at houses, Matt picked up right away on what was important to me and I REALLY felt like he had my best interest at heart. He kept amazing track of all the things I did like about homes and called me when he saw the perfect house for me pop up on MLS. I had expected escrow to be a major process and it was orchestrated so well by Matt that I really only had to show up at the inspections, etc and Matt took care of the rest. If there was a problem, Matt had a quick solution. The whole process from beginning to end was a positive, enlightening experience and I highly recommend Matt as both a Buyer’s Agent and Mortgage Consultant.
-Christine C.

Matt was a huge help for us when we bought our first home. He was patient with our numerous questions, and he gave us invaluable advice. Overall, he really helped make this experience much easier than it would have been if we had done it on our own.
-Angela N.

Matt helped us refinance our home mortgage with fantastic follow up and completion of all details. Matt is fantastic!
-Eric & Barbara H.

My husband and I had been looking for a house for 8 months and had many frustrations and disapointments. I contacted Matt to discuss my situation and decided to switch to his services. Matt must have taken us to look at 50+ homes and was always patient. When we finally opened escrow on our home, Matt was efficient and responsive; my husband and I felt at ease knowing Matt was taking care of us. Due to Matts professionalism and client care, I have and will continue to refer family and friends to him.
-Melissa M.

I turned to Matt for help in getting ready to purchase and he totally helped me out for several months before I was ready. He was there for me when I got to the point of buying my first home and then several months later, he was there for me when refinancing became a good option for me. I am totall satisfied with Matt in all capacities and have already recommended him to co-workers. Thanks Matt!
-Patricia S.

We found Matt to be very professional. He is: 1. competent and knowledgeable; 2. ethical; 3. benevolent/client focused. We truly appreciate the manner in which we were served.
-Anonymous

Overall, Matt makes the home buying process as smooth as you could ever imagine. With his calm approach and his uncanny attention to detail it makes me wonder if this guy ever makes mistakes! To top it off Matt is the trustworthiest individual I have ever done business with. Honestly, Matt sets the example all should strive for in the industry.
-John O.

We thoroughly enjoyed working with Matt. He was always professional, knowledgeable, and understanding of our specific needs. He tailored communication appropriately to our level of understanding and was a great resource of information in general. Even though he was a distance away from us, we easily communicated through email and phone, using electronic documents. We appreciated this for both economic and environmental reasons. Thanks!!
-Laurie S.

Matt was the key to our home buying experience. He was there every step of the way to help us in every way we asked and even in ways that we had not thought of. He was an absolute PLEASURE to work with and we would recommend him to any and all friends/family that would need his services.
-Anna O.

Matt did everything exactly as he said he would and provided complete, honest and timely advice throughout the loan process. Having worked with other mortgage brokers that failed to live up to that standard in the past, it was a welcome change.
-Jeremiah A.

Buying a home or refinancing an existing mortgage is a very stressful life-event. Matt was 100% trustworthy, dependable, clearly communicated and demonstrated commitment and investment in our process, alleviating much of that stress. We absolutely will be contacting Matt when we purchase our next home and will ravely refer friends to Matt and his colleagues.
-Catrina W.

Matt handled our home purchase last year and our refinance this year. His services have been superior. He communicates well and often and if he tells you something he will follow through.
-Julise J.

My excellent impression of Matt started with his regular newsletters that he sent out when he took over during Spencer’s absence. It continued when I contacted Matt for a refi and found him to be as genuine in person as he was in his newsletters. I felt I was in knowledgeable, trustworthy hands throughout. And considering how many people must be contacting him right now, I was impressed with his level of contact. I never felt that I had to engage first. Matt is the bomb!
-Suzanne M.