Address
3130 Crow Canyon Pl., STE 215
San Ramon, CA 94583
Contact
Phone
(925) 854-5238 (925) 854-5238
Cell phone
(925) 381-8190 (925) 381-8190
Email
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Buy Before Sell

We provide a fast and simple solution for homeowners with substantial equity in their existing home and want to buy a replacement home before having to sell — even before having to list!

Are you a good candidate to buy before you sell?

Find out today

MEET YOUR LOAN OFFICER

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.

Blog

Recent Posts and Articles

  • Senior couple browsing home financing options for their home renovation

    Whether you’re aging in place or bringing older relatives into your home, know your options and limitations for building in, building out and reducing hazard risk.

  • First time homebuyers fixing up their historic home thanks to their rehab home loan

    Historic Home Living: What You Can and Can’t Change

    Fantastic benefits come with living in a historically significant home, but certain restrictions can limit your rehab dreams—know your options going in

  • A woman standing in her new home

    Women Taking (Home) Ownership

    Let’s hear it for 100 years of women’s progress in homeownership! Read about their phenomenal influence on the market as we celebrate women and mortgages.

  • A couple reading an email from their realtor about their offer

    Winning a Homebuyer Bidding War

    Winning a homebuying bidding war depends on key factors you can control, including your outlook, tactics and the team around you.

Resources

Helping your home financing process go smoothly.

  • 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.

  • 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.

  • 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.

  • 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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