Headshot of W. Todd Galde

W. Todd Galde

Loan Officer

FMZ Team

NMLS #256864

Adress
1385 Shattuck Ave, Suite B
Berkeley, CA 94709
Contact Methods
Email
tel Phone
(925) 854-5238
mobile Mobile
(925) 381-8190

Awards

About W. Todd

Let’s start with the basics: The building blocks of your mortgage are as easy as A B C: Assets, Budget, and Credit. Once you know the essentials, you’ll be a wiser borrower.

I teach and advise before I customize your home loan solution. We’ll share a confidential, no-cost strategy session to determine your financial goals, and if you are buying a home, the price range you can afford. After more than 20 years as top loan originator in California, I have learned how to help a variety of borrowers with different income sources, matching the correct loan to their unique circumstances. I’m ready to do the same for you.

My years of experience and deep knowledge of loan programs allow me to think outside the box. If you have a challenging situation, please bring it to me. Don’t let self-employment, divorce, or credit challenges keep you from becoming a homeowner. I have financing programs that give you more qualifying options, including bank statement, asset depletion and investor cash flow loans.

When you choose my team and I to handle your home financing, you’ll find we communicate clearly, answer your questions quickly, and work together to close your loan as soon as possible. It’s all part of the superior mortgage experience we provide for every client. We understand this is probably the biggest financial commitment of your life, so we will treat you with respect and honor you deserve.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

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Send me a message below or give me a call at (925) 854-5238