We were about to move forward with our cash-out refi with a large-ish bank and when it got down to the wire and we were about to apply, they gave us the rate and I kinda panicked thinking "Really?! Is that as low as we can get?" My husband kept going back to Zillow and asking "Why can't they match these much lower rates?" So I decided to run our numbers through Zillow at the last minute and Emmett came up with the best rate for that day for our scenario. I filled out his form and he called me - I'm not kidding - within 60 seconds.
In our first call I knew almost *immediately* I liked him. I told him our goals and unique scenario and why we were struggling to make a decision on how best to move forward. He explained in a way that made sense to me. Very clear and concise. He told me how he was able to offer such low rates. Within an hour he had emailed me 3 very clear refi scenarios - what I'd been trying to get from other banks and never got. That evening my husband and I discussed it and read all of Emmett's reviews and decided to go for it. I knew within half a day I would be getting better customer service from Emmett than from the other bank, supposedly known for its amazing service.
The process went very quickly and he was amazingly responsive. Via email, text or phone - he got back to me super quickly each time I asked a question. We had only one hiccup during our refi: our appraisal came in lower than anticipated. It messed up our loan-to-value which ultimately affected our rate which was a bummer. Emmett was very quick to provide us with updated numbers and was patient with us when we needed / wanted a bit more time to evaluate the new scenario. In his haste to get us new numbers, we caught a few errors in his math and he was very forthcoming about it, super cool just saying "Okay, you're right. I transposed those numbers, here are the correct ones. Sorry about that."
The best thing Emmett did was to honor the original closing costs he quoted me in our first call. Even though his costs increased, I believe he took a hit on our transaction in the name of keeping his word. This was really professional and honest and I imagine very rare in this industry.
My brother and his wife went through a cash out refi at the exact same time and I freaked out when I heard how high her rate was. Granted, working with Emmett there will be closing costs - and my sister-in-law didn't have any. BUT our rate is so much lower we were happy to pay the costs for a savings over the long term life of the loan.
I would highly recommend Emmett Clark!