Rowan Smith was recommended to us by three of the couples we know who got their mortgages through him. Even still, his knowledge, service and patience were unexpected. We were in the market for our first home, and due to our own changing circumstances, took over two years to finally close an offer. Over this time, he provided expert advice and prompt, polite and thorough service. He always kept abreast of the changing interest rates, securing the new better rates even before being asked. He gave us advice on every step of the process of home buying and we felt that his integrity and intelligence were unsurpassed. We are completely won over, and like those other three couples, we will be recommending him to everyone we know!