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I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Veey good service. Todd was very helpful throughout the process John Ryan Mechanicsburg, PA January 16 Rating: 4.8 out of 5.0 from Encompass
Veey good service. Todd was very helpful throughout the process
Todd was not only professional and knowledgeable but went above and beyond for us! We are beyond thankful for all he did to make this process run smoothly! Highly recommend Todd for any mortgage or refinancing needs. 🙂 Robert Franklin Tioga, PA January 16 Rating: 5.0 out of 5.0 from Encompass
Todd was not only professional and knowledgeable but went above and beyond for us! We are beyond thankful for all he did to make this process run smoothly! Highly recommend Todd for any mortgage or refinancing needs. 🙂
Todd and his team are efficient, honest and their expertise guided me thriugh the entire process to include explaining options, settlement details, and coordination factors. They went above and beyond being loan officers. Having this kind of team is especially needed for any investment. Mary Elizabeth Wellsboro, PA January 16 Rating: 5.0 out of 5.0 from Encompass
Todd and his team are efficient, honest and their expertise guided me thriugh the entire process to include explaining options, settlement details, and coordination factors. They went above and beyond being loan officers. Having this kind of team is especially needed for any investment.
Todd was very supportive and walked us through the process, which was very helpful! We thought the process was very easy and the staff were all friendly and helpful with any questions that we had during our mortgage process. Marilyn Joy East Berlin, PA January 16 Rating: 5.0 out of 5.0 from Encompass
Todd was very supportive and walked us through the process, which was very helpful! We thought the process was very easy and the staff were all friendly and helpful with any questions that we had during our mortgage process.
Provided us with great advice and service Daniel J Wellsboro, PA January 16 Rating: 5.0 out of 5.0 from Encompass
Provided us with great advice and service
We had a very short closing timeframe and Todd got all of our stuff completed quickly without issue. He also beat the lowest rate we had been quoted from various other lenders. Andrew S. Covington, PA January 16 Rating: 5.0 out of 5.0 from Encompass
We had a very short closing timeframe and Todd got all of our stuff completed quickly without issue. He also beat the lowest rate we had been quoted from various other lenders.
On 02/25/2026 at 2:00 pm
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