Loans by Todd K

Loans by Todd K is the mortgage practice of Todd Klinger, a mortgage loan originator licensed through Barrett Financial Group. Todd works with homebuyers, first-time buyers, VA borrowers, self-employed borrowers, real estate investors and owners who want to refinance, and he focuses on comparing loan structures rather than only quoting a rate. Jumbo and complex financing for unusual income or high-value properties are also part of the work.

He compares programs across multiple lending sources and starts with the down payment, cash reserves, monthly payment and long-term plans. The first step is a conversation about goals, timeline, income and assets, usually scheduled through the website. The corporate office is in Chandler, Arizona, and Todd's local office is in Carlsbad, California, serving California borrowers.