Smooth and Hassle-Free Refinance Experience. I had been wanting to refinance my mortgage for some time, but the process had seemed overwhelming. Then, upon a recommendation, I met Joel Mathew. The refinance process with him was unbelievably smooth. I was impressed with his professionalism, courtesy, and dedication. He completed the whole process in less than twenty days. Moreover, Joel arranged for the closing to conveniently take place at my home. Joel Mathew was a pleasure to work with and I would highly recommend him.