F&B Client Testimonials

"The entire refinance process my wife and I experienced with F&B Financial was a fantastic experience and very successful. The work from F&B on our behalf was both extremely professional and personable and I cannot express in words my gratitude. I had no doubts beginning the process based on a close friend's recommendation; but I was blown away by Chris Fox, his staff(specifically Jennifer Mack, Mike McKillips, and Cindy Cooper) and the professionalism, not to mention the personal involvement as well. My wife and I were treated as if we were the only clients Chris and his staff were dealing with, even though that is obviously not the case based on the huge success their business is doing. And I am positive their business will continue to strive if other clients are treated and served as we have been. There is no doubt as to who we would refer and/or recommend for any home mortgage, refinance, construction or equity credit needs!"

Chris and Kristy Whipple - Refinance Customer 

"I have worked with Chris Fox and the team at F&B Financial on numerous occasions in the financing and refinancing of both my personal home and investment properties. Their knowledge and professionalism were what initially got me interested in meeting with them. The company's competitive rates, consistent follow-up and quality service were the keys to me using them again and again. I would have no problem recommending them to anyone needing a quality mortgage banker that they can trust."

Jason W. Larch - Merrill Lynch - Financial Advisor

"Best mortgage experience ever. Incredibly low rate, excellent customer service and most importantly closed quickly."

Peter Marbarger - Merrill Lynch - Financial Advisor

"Incredible service from beginning to end. It takes a considerable amount of trust and cooperation between a client and their lender to achieve a successful closing in this real estate market, and Chris Fox and his team are the gold standard. Period."

Kerry Brooks - Dielman Sotheby's - President

"We own a comprehensive wealth management firm, and we use F and B Financial Group to handle all of our client's mortgage needs. They have delivered with every client which has helped our business grow! Plus, the feedback from each client has been excellent. I would recommend F and B to anyone!"

Timothy J. Banks - Client

"Chris Fox and his team stayed on top of our refinancing needs. They kept us up to date on low rates, locked us in at the most opportune time and quickly handled all the paperwork. I have referred several friends, family and clients to him."

Tom Domian, AAMS - Edward Jones - Financial Advisor

"Chris has been great to work with over the years.  He has helped so many of my buyers find the loan product that is right for them and is always accessible for any questions they might have.  Even after closing he keeps in close contact to let them know when it is a beneficial time to refinance. The knowledgeable staff makes the transactions even more enjoyable and are super-easy to work with!"
Kenny Reinhold - CBG - Real Estate Agent

"Being newer to Real Estate it is crucial that I work with an experienced lender. In addition I expect the same level of full service that I strive to provide to my clients. F & B Financial Group provides both that experience and full service to my clients. They really walk my clients through the process from beginning to end. Transactions are seamless and my clients have been thrilled with the buying process!"

Emily Behymer - The Hartman & Wynn Team - Real Estate Agent

"I recommend Matt to everyone I know. He helped refinance my home several years ago and took all the worry out of an often confusing and stressful process. He earned my trust by taking the time to explain every step along the way and providing honest answers to all my questions."

Terry O'Toole - Client

"I appreciated working with Matt on my refinance. Not only was he available anytime I had a question but he also explained the process in detail every step of the way. I would definitely recommend Matt for any work with your mortgage needs."

Chris Stark - The CAS Group, LLC - Client

"Thanks for your help getting our house refinanced. I knew the rates were great and that Steph and I would be looking at saving some money with the right refinance plan. However, with a busy work schedule that requires a lot of travel, I was skeptical that it would be more time and work than I was willing to put forth. You reassured me that you would do all the work leading up to closing and that it really would be hassle free. You came up with several different refi options, explained the difference and gave us your professional opinion, and ultimately helped us decide on the type of loan which fit our long term goals. Well, thank you! We were able to drop our rate substantially and save a nice chunk of change every month. And the best part was the fact that all we had to do was show up to closing and sign the paperwork, which took about 20 minutes.
What a pleasant surprise."

"I look forward to working with you again in the future and would recommend you to anyone looking for a quick and easy way to take advantage of the great rates being offered."

Chris and Steph Kolb - Cardiva Medical, Inc.- Client

"Chris Fox and his incredible team made the home buying experience fun and stress free! They consistently delivered client service that was above and beyond! My deal was anything but easy, and Chris worked hard to get the job done! He was always positive and always available when I needed him! I give this team my highest recommendation!

Lizzy Dooley - Realtor at Laura McCarthy

''Matt Scott, outperformed my expectations throughout the process of refinancing my home mortgage. From the beginning to close, Matt went above and beyond as he was reliable, had outstanding customer service, and saved me a substantial amount of money. I walked away from the process relieved I went with such a personable and high quality company!''

Phil Weber - Happy Customer - New customer switched from Competitor

"We have refinanced our previous home twice and just financed a new home purchase with F&B Financial Group. They have always had or matched the best rate we could find. Chris Fox and the crew at F&B have been great. They make the process relatively painless with close attention to the details and clear explanations of the paperwork throughout. We have never been unpleasantly surprised. Our recommendation is simply that we keep coming back to F&B."

Bill Gavin - Client

"Very professional and helpful from start to finish.  I looked at a few companies that could assist me with a loan and in the end I'm very happy with my decision to use F&B Financial Group and I highly recommend Chris and his team.  Thank you for making my experience as a first time home buyer stress free!!

Brian Lewin - First Time Home Buyer

"I had some circumstances that were out of the ordinary.  I thought I would not be able to obtain a loan to purchase my home.  A friend referred me to Chris Fox.  He was able to find an alternative to allow me to be able to buy my new home.  It's because of him that I am now a homeowner.

Laura Walter - Executive - Client

"I wanted to say thank you so much to you and everyone at your company for all your hard work on our loan!  You got it done amazingly quick and we really appreciate that!  You were easy to work with and the process was smooth.  Please pass along our thanks for everyone on your team.  I look forward to working with you in the future."

Eric A - Financial Advisor

"I just completed the purchase of my new home in July. There were so many decisions to be made while listing and selling my home and purchasing the new home. One decision I did not have to think about was who to use for my mortgage loan needs. This was my 3rd mortgage loan through Matt and it was so nice to know I wouldn't have to worry about any last minute surprises while the loan was processing or at closing. He does a complete analysis of what my financing needs are and assures I am getting the best rate and terms. Matt's knowledge and experience is reflected in the efficiency of the  process from beginning to end. I would (and have) recommend him to anyone looking to purchase or refinance."

Christy Janes - Repeat Client

Between new homes and refinancing, I've closed on at least 7 separate loans in the past 10 years, using 6 different mortgage brokers along the way. I finally found a good guy among the snake oil salesman this time around and will use Matt again and again in the future. In fact, I've already referred friends to him and they've thought the same. Many brokers are knowledgeable, but many also only know one or two ways to get things done. Matt is an out of the box thinker and problem solver who has access to a tremendous number of loan programs, which is exactly what I was looking for. I had a stable but unique situation, and many others I went to first didn't have programs that fit my needs and made refinancing a fiscally wise thing to do. Matt had the perfect program, and knowing that I have little personal time for additional b.s. on top of the mandatory paperwork, he basically handled 97% of the process for me with just a few check-ins for my approvals. That's not to say he wasn't personable or lacked communication, quite the opposite, but more so that he adapted to handling our relationship the way I needed it to be handled rather than his normal comfort zone. He even sent a gal to our home for a no hassles signing session as our closing, and this was after regular business hours so it didn't impact our work days. I couldn't give a higher recommendation than the one I'll give for Matt Scott, and this is coming from a person who is
admittedly difficult to work with on things like this (me). I'm sure you'll think likewise too if you have the opportunity to work with him."

Joe Disimone - Client

Chris and his team have a excellent understanding of the mortgage process and were able to clearly explain options for my mortgage.  They also stayed on top of the underwriting process and kept me updated to expedite the completion of my loan." 

Mark Schuchardt - Northwestern Mutual

"All requirements were covered and acted on.  If it was not right it was made right and explained why it was changed.  Chris knows his business and we felt comfortable with the way closing was handled."

Cliff Politte - Former MLB Pitcher

"Chris is very quick to respond and always treats every deal with a hands on approach.  He is actively involved in the initial process of explaining options and rates and throughout the process and shows up to every closing with a check."

Mary Beth Bradford Wallace - Realtor at Realty Executives St. Louis

"Chris and Sarah were excellent to work with. Getting your first mortgage can be a bit overwhelming but they were right every step of the way. We greatly appreciated the speed at which they followed up with our questions. You feel like you're their #1 client all the time!"

Charlotte Chapman - First Time Home Buyer in Orlando

"First off, I want to thank you for making this house buying process so easy and so understandable for myself. You really walked me through the process and I incredibly appreciate it. Second, thank you for the gift. I happen to love balsamic vinaigrette.  Rest assured, I will keep your information on hand just in case I have questions and I will definitely recommend you to any potential home buyers that I know."

Kyle Ensign - Happy Home Buyer

"I had not been through the "home buying" experience in 18 years and I was not been looking forward to the paperwork side of things at all! But I must say Marie and her office made it a breeze!! She came to my home to do the paperwork and left me with a very small list of things they needed to complete the loan application. From there on it was smooth sailing. She happened to be out of town on our closing date so she sent her assistant to meet us at the title office to assure that everything went as planned. I would highly recommend her and her office to anyone."

Dina Lucas - Repeat Home Buyer

"We just wanted to take a minute to thank Marie for all of their help throughout our entire refinancing process (and keeping Sean company while we were completing our paperwork).  This is by far the best experience that we have ever had.  We would highly recommend both of them to anyone!  When it comes time for us to move and financed our new home, we will be most certainly coming to see them.  Thanks Marie for everything."

Mike and Cheryl - Satisfied Customer 

 "As a single, first-time homebuyer, I was absolutely terrified of the entire process.  Chet was supportive and answered my questions with straight-forward explanations every step of the way.  He was kind and never pressured me, kept in regular contact, and made it easy to get in touch with him.  He made the experience as simple and painless as possible."

Shahla Kuypers - First Time Home Buyer

"Being a mortgage professional, I have high standards when it comes to customer service. Chris Fox and team exceeded my expectations. This was the smoothest mortgage transaction I've been a part of and will continue to use F&B Financial Group for all of my home financing needs."

Eric McDaniel - Mortgage Underwriting Manager

"While the mortgage application process is never fun-Marie made it as painless as possible! I sincerely appreciate her responsiveness & efforts she made in keeping personally involved in the process from start to finish."

James Nizick - Satisfied Client

"Chris made the loan process very easy and easy to understand. There were a lot of things I had questions about and he answered every one of them. I am completely satisfied with the experience we received and making this process seamless."

Josh Zoellner - First Time Home Buyer

"Patrick went above and beyond to help us refinance our house. When most people looked at our situation, they said they couldn't help and sent us on our way. Patrick told us while we couldn't refinance at the time, he would check in with us again to see if the market had changed enough for us to refinance. He meant it! Over six months after our initial conversation, we were able to refinance our home at a lower rate."

Melanie Schweizer - Refinance Client

"Patrick has taken his time explaining everything to us. We are deaf and he has been great!!! I would recommended him to anyone who needs to get a loan. Such a friendly and honest man!!!"

Debra Whitlow - Client with Special Needs

"Everyone at F and B financial group were extremely helpful, patient with my many questions, explained the process thoroughly and gave sound advice. I appreciate how very available everyone was. Additionally, my realtor commented on how easy you all were to work with!"

Rebecca Neuhart - First time Home Buyer in Florida

"My relation with F&B Financial Group was the best I ever experienced. Righteousness is the real word for what I always encountered during our relationship."

Maryon Gucailo - Business owner in Florida

"I found both Chris Fox and F & B Financial Group to be extremely professional and on point. Every time I called for an update who ever I spoke to was familiar with case or someone that was called back very quickly. It was a great experience."

Zak Baisch - Local Business Owner in St. Louis

"Our experience was actually night and day from the previous mortgage company we used. In fact, I was hesitant about going through the refinancing process again as the last experience was awful. However, the entire process was seamless. I felt respected and our needs were met. The communication was timely and spot on. I would highly recommend your services to others!"

Kristine Breen - Refinance client in Florida

"The overall experience was very pleasant and not stressful at all. The steps were easy to understand and communication was timely and accurate. We are very happy and would recommend F&B to others."

Rachel Oliver - New Home Buyer in Kirkwood

"Our situation was tricky with multiple businesses and incomes. Chris' team really came together to make sure we got into our dream home!"

Steven Ewing - Lead Singer of "The Urge"

"I've dealt with a few different mortgage brokers over the years and this was easily the best all around experience. Chris was always quick to respond to questions and was there for anything every step of the way. In addition, the document collection process was seamless and easy to complete. I'm completely satisfied and they've earned a lifetime client."

Mike Reither - Refinance Customer

"Have used the F&B firm several times now and for me there isn't a reason to look for alternatives. Pre-approvals, mortgage loans and no hassle refinance packages made easy with constant competitive pricing and responsive communications. Thank you.

Matt Nicks - Real Estate Investor

"Everyone at F&B was great about sending reminders and helping me to understand what documents I needed to prepare for my loan. They were always available to answer questions, and very efficient. This was my first home loan, and the experience could not have been easier."

Stephanie Beattie - First Time Home Buyer

"Chris and the staff at F&B were responsive to my every mortgage need. They extended every courtesy and convenience, including coming to my office and to my home to close the deal. Exceptional service. I would recommend to friends and family."

Dr. Silverman - Referral from CPA

"My Wife and I first worked with Chris and F&B Financial for our initial home loan in 2009 and had a great experience. That experience resulted us coming back for our refinance and we again could not have been happier with the entire process. The entire process was clearly explained and any questions we had were answered quickly. We would definitely recommend."

Jason Kesterson - Repeat purchase and refinance client

"Chris was extremely prompt to respond to me phone call. He came highly recommended by my financial advisor and I have to tell you, I am not at all disappointed. He is a great asset to your company."

Jacqueline Shields - Referral from Financial Advisor

"Chris and his team at F&B did an original loan an 3 refi's for me so needless to say I'm very pleased with the service. Very simple home loan process and customer service is second to none, really! Chris is very knowledgeable and professional and truly wants to save his clients money. I would recommend Chris and F&B to anyone. The are awesome!"

Tonia Culp - Police Officer

"This was my first time refinancing, so I had lots of questions going into it. Chris was very helpful through the entire process. I shopped around quite a bit before hand, Chris was at or below the rates other lenders were offering, with cheaper closing costs. I work nights, so a lot of the emails I sent him were in the wee hours of the morning. I was surprised to be getting responses at 4 and 5 in the morning, even before I'd settled on refinancing through them. Chris and his crew really do go the extra mile to make sure you get top notch service through the entire process."

Alan Humbertson - First time client

"I'm a real estate agent and have been referring my clients to Matt Scott for years. I'm always glad when the client does choose F & B because I know it will be a smooth transaction, at least on the financing end of things. Buying a home can be a stressful time and It's great to know that my clients will receive personable treatment and that deadlines will be met. I just refinanced my personal mortgage and am now a satisfied customer myself. Things went just as I expected and I look forward to continuing my business relationship with F & B Financial!"

Jennifer Svoboda - Real Estate Agent and client

"Matt and his team were fantastic during the whole home purchase process. No matter the question, Matt got back to us in a timely fashion and made sure everything went smoothly. Anytime an issue would come up, either Matt or someone from his team would quickly step in and make sure it was taken care of. It was our first time buying a home and with the help of F&B Financial they made it seem easy. If you are looking to finance a new home I would highly recommend reaching out to Matt!"

Carrie Walk - Happy Home Buyer

"As a first time home-buyer, the entire home buying process can be overwhelming and downright scary. Thankfully Chris and his team were there to support me through the process and help me make some big decisions. Buying your first home is a pretty big deal and I am glad Chris and his team were there to help make it as smooth as possible."

Kienan Shaw - First time Home Buyer

"Chris fox and his associates were great throughout the entire home buying process! They were available to answer all of my questions at a moments notice."

Joseph Schreiner - Florida Home Buyer

"Chris and Steve were professional and excellent to work with. They were always prompt in getting back to me whenever I called or emailed with any questions. Thank you for making this process so smooth and easy for me!"

Dulce Smith - Florida Refinance Customer

"Matt was very easy to work with. As a first time buyer, Matt was very helpful in answering all (probably too many) questions that I had. He did so with patience and understanding. Additionally, he provided me the necessary guidance I needed in order to make informed decisions. Without this guidance, I could have made some considerably wrong decisions. Further, Matt made himself available to me when necessary. If he was busy during a certain time, he made sure to let me know when he would call back or would be available in the future. I couldn't have asked for someone better to work with during my first time buying a home."

Staci Wood - First Time Buyer Missouri

"This was by far the easiest mortgage I have ever done.  I am self employed and it has always been a challenge with all the paperwork that you need to complete."

Bill McPherson - Florida Buyer

"The were very honest, thorough, quick to respond to questions and emails, and frankly fun to work with.  As unpleasant as home buying is, they made it easy.  I highly recommend Chris and his team!"

Sean King - Engineer

"Everyone has a unique situation, Chris actually listened and understood mine and was willing to help me get financing!  Extremely efficient communication throughout the entire process and always was just a phone call away.  I would highly recommend his company and services!  Thank you again!"


"I was skeptical when my buyer told me he was going to use a lender I had not worked with, but my experience with Matt Scott of F & B Financial was one of the best I have had during my 36 year career in real estate.  Matt and his staff kept me informed every step of the way, and if I did have a question, they responded right away, even after hours and weekends.   I would not hesitate to recommend his services to any of my clients."

Genie Hofstetter - Real Estate Professional

"I cannot thank Matt, Joann and team at F & B Financial enough for saving us. We had made the mistake of going with another lender. Turns out they did not order the appraisal by Loan Title date on top of that the appraisal came back $20,000.00 lower than we were paying for the home. The Loan company, which remain nameless, just thought we the buyers would be willing to bring an extra $20,000.00 to closing and pay PMI insurance. NOT THIS BUYER, I immediately called Matt Scott, with one week until our closing date, he got the appraisal done and it was appraised at the sales price of the home, which alleviated our need to bring extra cash (we didn't have) and PMI, the closings costs were $400.00 cheaper than the 'other' lender and the rate was better. Matt and team literally saved us from losing the home of our dreams., all within a weeks time. I highly recommend F & B!"

Tim and Lisa Moss - Missouri Home Buyer

"We got the recommendation for Aaron from our realtor. This was our first time buying a home and going through the home loan process. there is a lot of paperwork needed to receive the loan but Aaron and his team made it as painless as possible. We were asking a lot from him and his team to move the closing date up and they exceeded our expectations and got it moved up 2 weeks. We were beyond impressed. Aaron explained everything possible to from why they needed some of the paperwork to what the document we were signing was and he explained in common terms that we could relate with. I would recommend Aaron and F&B Financial to anyone."

Keith Adams - Happy Home Buyer


Anjali Harpaul - Florida Home Buyer

"F&B was amazing as usual. Chris always knows the answers and I was completely confident with having him and his team helping with purchasing my condo. Ashleigh Kondracki also helped keep the process going smoothly and was wonderful. I couldn’t have worked with a better group of people. Thank you again Chris and Ashleigh!"

Kathy Moore-Smith - Repeat Home Buyer

"We found a house...started the process and ended up passing due to the inspection. As luck would have it we found amother home within 24 hrs. The sellers wanted a quick closing. The apartment complex we lived in had a renter to take our lease and things were happening in a hurry. F&B worked with us and in a week we were closing on the house. The F&B team never said, no...always worked towards making things happen. Our realtor was so impressed with the speed and quality Chris and his team provided! In addition, I had an old fraudulent account fron ID theft show up on my credit, emailed docs to Chris and BAM, he took care of it and all was good!!"

Cary Kelly - Referred by a past client

"Chris and his team made this first time homebuyer understand the mortgage process, save money where possible, coordinate with all other parties involved, and complete all documents necessary. The next time I purchase a home, I plan on contacting F&B Financial."

Adam Notch - St. Louis City Police Officer

"My family experiences with the process of financing our home was off the chart great. We were always in contact by phone or by email between Marie or Matt. In either signing documents or needing more information to get us the correct percentage rate for our loan."

Alfred Jones - St. Louis Buyer