When you’re choosing a home‑loan partner, two things matter most: pricing and proven reviews.
Borrowing money isn’t like buying a product that can spoil or be returned — it’s money. So why pay more than you need to?
As a lean wholesale brokerage with low overhead, we give clients access to competitive wholesale options and personal, start‑to‑finish guidance.
And for total transparency, we offer THE LIVE PRICER — an anonymous tool that lets you explore mortgage scenarios without entering a name, phone number, or email.
Once you’ve compared pricing, the next step is choosing a licensed professional who can get the job done. Our reviews — going back to 2013 — speak for themselves.
You’re making one of the largest financial decisions of your life. My role is simple: help you do it with clarity, confidence, and no surprises.
Every mortgage involves tradeoffs between price, execution, and speed.
I help you understand those tradeoffs so you can make the right decision—not just chase the lowest number.
I earned my Business Finance degree from Eastern Washington University and have spent years guiding clients through complex financing decisions with a straightforward, transparent, and honest approach.
Many of my clients come to me after speaking with a bank or online lender—looking for clearer answers and a smoother process.
If you want a quick overview of how I work and what to expect, watch my 3 minute welcome video.
Outside of lending, my wife Lori and I live just west of Spokane on a small hobby farm (featured in the video). It keeps me grounded—and reflects how I approach my work: patience, precision, and long-term thinking.
What Clients Say
"Todd is the most outstanding, customer-oriented financing professional I’ve worked with. He made a complex process feel clear and virtually pain-free."
"I chose to work with Todd over my own bank of 28 years—and would recommend him every chance I get."
— George A. Bombel, Brigadier General, U.S. Army (Ret.)
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Showing 230 featured reviews,Rating based on these only
Hard work, honesty, integrity and attention to detail.
We work after hours and weekends to accommodate our client’s schedules.
We communicate with your preference and include in person, video call, text, email or an old-fashioned phone call.
We are not interested in gathering your information and then activating an automated marketing system that involves robocalling, spamming, robotexting or stalking every single person in Idaho and Washington.
We will be here when you need us. That is how we would like to be treated and that is the level of respect you deserve
A mortgage broker is a professional who acts as an intermediary between borrowers and lenders. They help borrowers find mortgage rates and terms by shopping around with multiple lenders.
A designated broker owner can also provide you with more personalized service and help you navigate the complex process of obtaining a mortgage.
It’s important to note that a designated broker can also be a mortgage broker, but not all mortgage brokers are designated brokers.
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