If you are considering getting a home loan or refinancing your home loan and are shopping around, stop right now and just go with Swan. I found that their rate and fees were the lowest among the various banks I talked to. I worked with Lynne Marie and her responsiveness, customer service and work to ensure that I got the best deal was second to none. I would highly recommend working with Swan and Lynne Marie for your home loan needs. I refinanced another property with one of the larger banks and found it extremely painful; however, with Swan and Lynne Marie, the process was a breeze.