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Proudly serving clients across Pennsylvania.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Excellent communication and same day responses really helped ease a stressful situation. Adam DMECHANICSBURG, PA Aug 22
Excellent communication and same day responses really helped ease a stressful situation.
Rating: 5.0 out of 5.0 from Encompass Things went smoothly we were very pleased Sandra JHALIFAX, PA Jun 16
Things went smoothly we were very pleased
Rating: 5.0 out of 5.0 from Encompass Todd always makes sure that eveything is handled, he calls around and does everything in his power for his clients. I have had the pleasure of working with Todd to buy my home. I trust Todd to do what needs to be done, and that's why I refinanced with him. Benjamin TLEWISBERRY, PA Jun 13
Todd always makes sure that eveything is handled, he calls around and does everything in his power for his clients. I have had the pleasure of working with Todd to buy my home. I trust Todd to do what needs to be done, and that's why I refinanced with him.
Rating: 5.0 out of 5.0 from Encompass Todd had great communication and patience! KathyHALIFAX, PA Jun 13
Todd had great communication and patience!
Rating: 5.0 out of 5.0 from Encompass Todd was so helpful throughout the whole process. He was always available to answer any questions we had and very informative about each step. Mitchell JamesPALMYRA, PA Mar 12
Todd was so helpful throughout the whole process. He was always available to answer any questions we had and very informative about each step.
Rating: 4.8 out of 5.0 from Encompass You made it all happen and got us to closing! Thank you sir QuinnWELLSBORO, PA Feb 24
You made it all happen and got us to closing! Thank you sir
Rating: 4.8 out of 5.0 from Encompass Veey good service. Todd was very helpful throughout the process John RyanMechanicsburg, PA Jan 16
Veey good service. Todd was very helpful throughout the process
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. 🙂 Robert FranklinTioga, PA Jan 16
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. 🙂
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. Mary ElizabethWellsboro, PA Jan 16
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.
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. Marilyn JoyEast Berlin, PA Jan 16
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.
Rating: 5.0 out of 5.0 from Encompass Provided us with great advice and service Daniel JWellsboro, PA Jan 16
Provided us with great advice and service
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. Andrew S.Covington, PA Jan 16
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.
Rating: 5.0 out of 5.0 from Encompass Todd was fantastic with helping us with all our mortgage loan needs! He was always available to answer questions and went above and beyond to make sure we got the best loan to fit our needs. Marquisha JasmineWellsboro, PA Jan 16
Todd was fantastic with helping us with all our mortgage loan needs! He was always available to answer questions and went above and beyond to make sure we got the best loan to fit our needs.
Rating: 5.0 out of 5.0 from Encompass Todd is great and does everything in his power to make the process as smooth and effortless as possible. This is our second time using him and I would again in a heartbeat. We have a very busy schedule and Todd was available for questions whenever we needed. I will definitely be recommending him to anyone I know looking to buy. Cody AustinWellsboro, PA Jan 16
Todd is great and does everything in his power to make the process as smooth and effortless as possible. This is our second time using him and I would again in a heartbeat. We have a very busy schedule and Todd was available for questions whenever we needed. I will definitely be recommending him to anyone I know looking to buy.
Rating: 5.0 out of 5.0 from ManualUpload Incredible opportunity. Todd is fantastic! JeremyWellsboro, Pennsylvania Jan 16
Incredible opportunity. Todd is fantastic!
Rating: 5.0 out of 5.0 from Encompass Todd answered our questions and helped us to feel that he was really working to help us secure financing that was right for us. Alice ReneeMiddlebury Center, PA Jan 16
Todd answered our questions and helped us to feel that he was really working to help us secure financing that was right for us.
Rating: 5.0 out of 5.0 from Encompass Todd was able to get us closed on our home within just a few weeks after an unpleasant experience with two other lenders. Todd was very quick in assisting us with our mortgage needs! I would absolutely recommend Todd for all of your mortgage needs! Vanessa A.Mansfield, PA Jan 16
Todd was able to get us closed on our home within just a few weeks after an unpleasant experience with two other lenders. Todd was very quick in assisting us with our mortgage needs! I would absolutely recommend Todd for all of your mortgage needs!
Rating: 5.0 out of 5.0 from Encompass Fast to respond, great communication. Summer ElizabethHollidaysburg, PA Jan 16
Fast to respond, great communication.
Rating: 5.0 out of 5.0 from Encompass It so easy for me to find the house thank you and am very grateful thank you again MavisWormleysburg, PA Jan 16
It so easy for me to find the house thank you and am very grateful thank you again
Rating: 5.0 out of 5.0 from Encompass Great communication. Quick responses Linda M.Carlisle, PA Jan 16
Great communication. Quick responses
Rating: 5.0 out of 5.0 from Encompass Todd was fantastic to work with every step of the way. I'm not sure there is better out there. 10/10, would recommend Todd and the team at Tidewater Mortgage. AnnalisaMuncy, PA Jan 16
Todd was fantastic to work with every step of the way. I'm not sure there is better out there. 10/10, would recommend Todd and the team at Tidewater Mortgage.
Rating: 4.5 out of 5.0 from Encompass for first time homeowners everything is new and we were able to communicate and received all the information that we needed to all our questions. Carol JessidhMechanicsburg, PA Jan 16
for first time homeowners everything is new and we were able to communicate and received all the information that we needed to all our questions.
Rating: 4.5 out of 5.0 from Encompass Todd was knowledgable, helped us find the mortgages that worked for us, and was willing to walk us through every step of the process. Thomas MichaelMechanicsburg, PA Jan 16
Todd was knowledgable, helped us find the mortgages that worked for us, and was willing to walk us through every step of the process.
Rating: 5.0 out of 5.0 from Encompass We had a great experience with Todd and the process to receive our mortgage went smoothly. MarkEast Berlin, PA Jan 16
We had a great experience with Todd and the process to receive our mortgage went smoothly.