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Todd
Galde

Sr. Mortgage Advisor
NMLS #256864

Advising. Smart. Financing.
This simple statement anchors our business and guides everything we do for our clients. Advising smart financing is what the team is all about. It shapes our approach, informs our actions, and aligns our efforts.

Advising.
Are we guiding you to the best solution? Are we listening to your needs and wants? Are we considering your “sleep factor”, that monthly payment that allows you and your spouse to sleep soundly at night? Are we taking in to account your long-term financial goals and aspirations… YES.

Smart.
Are we calculating the numbers correctly? Are we following the market on your behalf, watching the ebbs and flows of interest rates? Are we providing Total Cost Analysis projections tailored to your specific situation and your financial state? Are we on top of underwriting requirements, guidelines and procedures, confirming that you are truly approved for a mortgage? Do we meet deadlines, close of escrows and contingencies… YES.

Financing.
Do we have an innovative array of residential financing options? Are we are direct lender, delegated to Fannie Mae, Freddie Mac, Ginnie Mae and many Jumbo investors like Chase, Wells Fargo and others? Do we have answers for 1st-time home buyers, foreign nationals, buyers who need to renovate, low FICO scores, high DTI ratios, Non-QM, 1st/2nd purchase combo solutions…YES.

Your advisor for life,
Todd Galde

Awards and Recognition

  • Chairmans2015
  • Chairmans2016
  • Branch: San Ramon
    3130 Crow Canyon Place #300
    San Ramon, California 94583
    Direct: 925-394-7732
    Cell: 925-381-8190
    Fax: 925-394-7697
    Email:
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Recent Posts

  • by W. Todd Galde
    February 22, 2017

    So there you are, sitting around the kitchen table, bemoaning the fact that you have 25 years left on the mortgage you took out back in 2012 and with rates on the rise, "It's time to hunker down, hon..."

    Or maybe not...

    With 15-Year fixed rates still in the 3.25-3.5% range, now may be the time to potentially save over $100,000 by shortening the term of your loan. Say what? Yep, you heard it right. If you took out a $400,000 30 year mortgage in 2012 with a 4% rate you would be sitting at a principal balance of about $362,000. By converting it now to a 15-year fixed mortgage at 3.5% you would save $103,159 in principal and interest payments by cutting the term short by 10 years. Of course, the monthly payment will be higher with a 15-year term, but so is your income now, and it should continue rising over the next 10-15 years.

    15-Year Fixed loans aren’t for everyone, but it may be something to consider if you have been thinking about it. In fact, there are a number of benefits to a shorter loan term vs. the traditional 30-year fixed. Here are five indisputable reasons you may want to consider a 15-year or even 20-year term:

    • Interest Paid – Over the life of the loan a 15 Year mortgage will typically result in more than 60% less Interest-paid – that is a huge savings!
    • Payoff the Mortgage Faster – especially for borrower’s nearing retirement who will see disposable income significantly reduced with a mortgage payment in retirement.
    • Same Rate, Less Risk – The 15 Year is comparable to a 5 or 7/1 ARM rate today, but with no interest rate risk vs. an ARM which adjusts after the initial fixed period.
    • Loan Level Price Adjustments – 15 Year Fixed loans (FNMA) carry less LLPA’s, meaning better rates and more rebate for higher LTVs and Lower FICO scores.
    • Build Equity Fast – Down the line there will be more flexibility for HELOCs, and cash-out in general (such as for home improvements)

    If this is something that is of interest to you or someone you know, please feel free to email or call. We are here to serve you.

    Advising. Smart. Financing.

    Sincerely,

    Todd Galde
    Direct: 925-381-8190
    tgalde@commercemtg.com 

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