Tom is a great resource for all my real estate clients. As a realtor, I need to be certain that my referral partners can deliver on time and without any hiccups. In the world of multiple offers and bidding wars, having a local lender that understands the market, knows the players and can commit to a quick closing is a must! Tom, is just that guy. He has never let us down and is always available to us. I highly recommend Tom Spaniel.