The Mortgage ToddCast

When it comes to buying a home, most people focus on one number: their salary. But when a lender looks at your ability to qualify for a mortgage, there’s another number that can be much more important. 🏡💰 In this episode of the Mortgage Toddcast , we break down the income number that actually matters when determining what you may be able to afford—and why your salary alone doesn't tell the...

Is a 30-year mortgage just “bad debt,” or could it actually be a strategic financial tool ? 🏡💰 In this episode of the Mortgage Toddcast , Todd takes a closer look at the way homeowners think about mortgage debt and why a 30-year mortgage may make more sense than paying off a home as quickly as possible. The goal isn't always to eliminate debt at all costs. Sometimes, the way you structure y...

Adjustable-rate mortgages (ARMs) have a reputation for being risky—but is that reputation deserved? Or could an ARM actually be a smart strategy for the right homebuyer? 🏡 In this episode of the Mortgage Toddcast, Todd breaks down how ARMs work, why some buyers consider them, and what you need to understand before choosing one. Whether you're a first-time homebuyer, planning to move within a...

Should you ask the seller to fix everything? And what repairs are actually worth negotiating? 🏡🔧 In this episode of the Mortgage Toddcast , Todd breaks down one of the most important—and often misunderstood—parts of buying a home: repair negotiations . After the home inspection, it's easy to feel overwhelmed by a long list of findings, but not every item needs to become a negotiation. Learn...

Life changes—and sometimes your home should too. 🏡 In this episode of the Mortgage Toddcast , Todd is joined by special guest Sheila Bonn , an experienced Realtor, to discuss one of the biggest questions homeowners face: Should you stay where you are or move? Whether you're welcoming a new baby, becoming empty nesters, changing careers, working from home, or simply feeling like you've o...

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. Whe...

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 fam...

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...

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, thi...

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...

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 du...

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...

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com

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 #918636 817-912-0039  themortgagetoddcast@gmail.com