My wife and I have worked with Tom Spaniel for years and he has always provided quality service and very competitive rates for us in acquiring our new homes. Recently we referred our first time home buyer daughter to him. His work for her was nothing short of a miracle. He guided her expertly to document a credit history and was able to expedite her preapproval so that she could compete in an extremely hot market. We are all completely thrilled with his efforts as her offer was accepted and she closed without a hitch. Thanks again Tom from all of us.