Here is my bad experience with Tom Spaniel of Signature Lending. Years ago, I had just gotten into real estate as an agent and was closing on one of my first transactions. Tom Spaniel was doing the loan for my buyer. About a day or two before closing, Tom calls me up and says that the buyer is $300 short of cash and if I don't contribute the $300 from my commissions, they will not be able to close and the deal will fall through. I was new and really needed the sales commission as I had been without any income for a couple of month... read full review »