The Mortgage ToddCast

Thinking about renovating before selling, refinancing, or even staying put? You may want to hit pause first. 👀In this episode of the Mortgage Toddcast, we break down the home upgrades that actually add value… and the ones that can drain your budget.We’re talking through the renovation mistakes homeowners make all the time — and how to make smarter decisions before swinging the first hammer.Whether you’re preparing to sell, trying to build equity, or simply wondering if that remodel is worth it, this episode could save you thousands.I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Buying a home as your family grows is exciting—but it can also come with costly mistakes if you’re not prepared. In this episode of the Mortgage Toddcast, Todd breaks down some of the biggest mistakes growing families make when purchasing a home and how to avoid them. From outgrowing a house too quickly to overlooking future expenses, this conversation is packed with practical advice to help families make smart, long-term decisions.Whether you’re expecting your first child, need more space, or are planning for the future, this episode will help you buy with confidence and clarity.I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

There’s a strategy smart homebuyers are using right now—and most people have no idea it exists. 👀In this episode of the Mortgage Toddcast, Todd reveals one of the biggest secrets buyers are using to gain an advantage in today’s market, save money, and make homeownership more achievable than ever. If you’ve been feeling stuck, discouraged by rates, or unsure if now is the right time to buy, this episode is for you.The truth is, successful buyers don’t always wait for the “perfect market”—they use the right strategy.I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Ever wondered why a title company is involved when you close on a home loan? You’re not alone—and today, we’re breaking it all down.In this episode of the Mortgage ToddCast, Todd sits down with special guest Heather Awtrey to walk you through the critical role title companies play in the home buying process. From protecting your ownership rights to ensuring a smooth and legally sound closing, this is one piece of the puzzle you definitely don’t want to overlook.I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Artificial intelligence is no longer coming for the mortgage industry — it's already here. And if you're buying a home in today's market, that's actually really good news for you.In this episode, Todd breaks down exactly how AI tools are reshaping the home search process.This isn't a tech episode. This is a people episode. Because at the end of the day, no algorithm can tell you what it feels like to walk through the front door of the house that's meant for your family. But the right tools can make sure you don't miss it.I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Welcome to Season 2 of the Mortgage ToddCast! We are so glad you are here! On today's episode, we're talking about what to do after you're ready to buy and what type of mortgage YOU need!I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Welcome to Season 2 of the Mortgage ToddCast! We are so glad you are here! On today's episode, we're talking about what to do after saving money and fixing your credit! You need to get PRE-QUALIFIED!  I am Todd Reynolds, and I want to help you build wealth through homeownership!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Welcome to Season 2 of the Mortgage ToddCast! We are so glad you are here! On today's episode, we are talking about what you CAN be doing before you are ready to buy a house!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking about WHAT TO DO after closing on a house! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking Mortgage rates decreasing and WHAT TO DO! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking about Non-QM Mortgages! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are calling all house hackers! Now is the time! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking about conforming loan limits changing and what that means!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking about the importance of who you work with!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking about all the things you need to know and look for as a first time homebuyer!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking all about closing costs!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we answer "Can I use the same type of mortgage over and over again??" Let's dive in!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we are talking about change! You want to buy a new house? Find a new job? Buy a new car? Will that be a problem??You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about Condos and Condo financing! Warrantable or non-warrantable? You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about Prepayment Penalty and Recasting! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about Mortgage Type! Fixed-Rate or Adjustable-Rate? What's the difference? What should you do? When should you get one over the other? You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about Manufactured Homes! Did you know that you can get traditional mortgage on a manufactured home?You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking Cash Flow! An element that is important to consider when thinking about refinancing or buying a home.You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about Investment Properties! Let's dive into how and why are people buying them in this current market??You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about Refinances! What are they, how do they work, and when should I do one? Let's dive in!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode we are talking about building a home and what that looks like when it comes to financing and construction. Let's figure out the best plan for you!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode of the Mortgage ToddCast we are talking about Mortgage Insurance! What is it and do I need it? You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode of the Mortgage ToddCast we are talking about seller concessions! What are they? How do I get them and what do I use them for?You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode of the Mortgage ToddCast we are talking about the best day to close on a home! We discuss the different advantages of different closing dates so that you can pick the best one for you!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode of the Mortgage ToddCast we are talking about the VA Loan and busting myths associated with it. For whose who qualify, we want to talk about how those benefits can be usable for you!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode of the Mortgage ToddCast we are talking about what the current market looks like and how you can benefit from it!You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode of the Mortgage ToddCast we are talking about the tricks of the trade to get your offer accepted! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Have you heard it's hard to purchase a home if you are self-employed? Well, it can be, but it doesn't have to be. On today's episode, we are talking about the ways you can make it so much easier! You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On this episode of the Mortgage ToddCast, we are covering the topics Employment, income and Assets. These are all incredibly important to the process. Today we talk about things you NEED to know in order to buy a home. You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

On today's episode, we talk about loan structure. Now before you check out, loan structure is more important than you think it is. It could be the most important thing you do in the whole mortgage process. Let's look at structuring a loan that is best for you and your family. You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Hey friends! Welcome to the Mortgage ToddCast! Everyone is asking, "Since rates are high, should I wait to buy my new home?" In today's episode, we are looking at the pros and cons of the current market situation to help you figure out if it's the right time for you to buy.   You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Want to know what NOT to do during the mortgage process? On this episode, we talk about the few things that could completely kill your mortgage, make you lose the house you love, and have you start all over. It's crazy how much I've seen this happen and I don't want that for you. You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

What is the best type of mortgage for you?We want the best value for you today, tomorrow and in the future. Want to know what mortgage will help you achieve your wealth building goals? We've got your back! On this episode, we discuss the different types of mortgages and how to pick the best one for every individual. You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

CREDIT, everyone's favorite topic! No really, but it's a big part of the mortgage process. We want to make sure you credit is mortgage ready! So many people think they don't have a good enough credit to have a mortgage, but that isn't always the case. There are so many ways to improve your credit score - tune in to today's ToddCast where I will go over some key steps you need to take to prepare your credit score before purchasing a home. You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.Give me a call!Todd Reynolds NMLS #918636817-912-0039 [email protected]

Know that you know!!!  On this episode we are busting the biggest myths about home buying...