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.

Lender, strategist, specialist and consultant for all aspects of mortgage home loans, including first time home owners' borrowing and financing, loans for investing in multiple residential properties, refinance, cash-out refinance, rate/term refinance, lowering interest rates, combining the best rates with a quick closing, jumbo Loans for high-net-worth clients, etc., for loans from $100,000 - $10 million. We serve primary family dwellings' financing solutions for divorcing/divorced, borrowers with assets and equity but without income, self-employed, unemployed, cash income retailers, irregular income earners such as in sports and entertainment industries, employees or professionals with Restricted Stock Units (RSU), W-2 wage earners, 1099 contractors, foreign nationals with various types of working visas or green cards, retired people without salaries, alimony and child-support receivers, cannabis dispensaries or other unconventional income. My partners in referral include accountants, financial managers, lawyers for wills and trust, corporate formation, family law, probate, residential real estate agents or brokers. For 20 years, I have helped home-owning dreams come true with personal and individualized attention. I am one of the top mortgage bankers in California. Relationship and service are what I value above everything else. From pre-approval letters, to reducing down payments, to overcoming clients' credit challenges... we deliver your home-owning dreams. Turning a house into a home is our mission and passion. My team and I treat everyone as our #1 client. The process of buying a home, especially the financing, can be overwhelming and stressful. My team and I will be with you from start to finish, with experience, flexibility, and concierge service. For a free consultation, call me direct on my cell: (925) 381-8190, or email me at: Todd@ToddGalde.com, or Or visit my website: www.ToddGalde.com

Mortgage Home Loan Strategist, Home Loan Specialist for home-owners needing to refinance to lower interest rates and buyers needing to secure the best rates with a quick closing. Includes High-Net-Worth clients with Jumbo Loan needs; purchase, rate/term refinance, cash-out refinance, etc. for loans from $100,000 - $10 million.

Mortgage Home Loan Strategist, Home Loan Specialist for home-owners needing to refinance to lower interest rates and buyers needing to secure the best rates with a quick closing. Includes High-Net-Worth clients with Jumbo Loan needs; purchase, rate/term refinance, cash-out refinance, etc. for loans from $100,000 - $10 million.

Mortgage Home Loan Strategist, Home Loan Specialist for home-owners needing to refinance to lower interest rates and buyers needing to secure the best rates with a quick closing. Includes High-Net-Worth clients with Jumbo Loan needs; purchase, rate/term refinance, cash-out refinance, etc. for loans from $100,000 - $10 million.

Mortgage Home Loan Strategist, Home Loan Specialist for home-owners needing to refinance to lower interest rates and buyers needing to secure the best rates with a quick closing. Includes High-Net-Worth clients with Jumbo Loan needs; purchase, rate/term refinance, cash-out refinance, etc. for loans from $100,000 - $45 million.

Mortgage Home Loan Strategist, Home Loan Specialist for home-owners needing to refinance to lower interest rates and buyers needing to secure the best rates with a quick closing. Includes High-Net-Worth clients with Jumbo Loan needs; purchase, rate/term refinance, cash-out refinance, etc. for loans from $100,000 - $45 million.

Mortgage Home Loan Strategist, Home Loan Specialist for High-Net-Worth clients with Jumbo Loan needs; includes purchase, rate/term refinance, cash-out refinance, etc.