As clients of Tom's for approximately 7 years, we can honestly say that Tom and his team are top notch! Our recent refinance process was exceptionally smooth and closed quickly. Tom possesses all the qualities you look for in a lending professional. He is honest, hardworking, personable, and dedicated to getting the job done. We will continue to recommend him to friends and family, as well as remain loyal clients for many more years to come! Thanks Tom for all you do!