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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
    December 12, 2017

    I sent my letter to Santa a month or so ago and all I wanted for Christmas was an increase in the Loan Limits for 2018. Well, guess what. Santa Claus came through, and even before Christmas day!

    That's right, the FHFA announced early this month that the traditional Conforming and the High Balance Conforming loan limits will be increasing for 2018. This is great news because it allows more buyers to qualify with the less restrictive guidelines from Fannie Mae, Freddie Mac, and even FHA, who adopted the new loan limits last week.

    How does this affect YOU and your buyers, you ask?

    Here is a good example of how the increase helps buyers in the counties of Contra Costa, Alameda, Marin, Napa, San Francisco, San Mateo, Santa Clara and Santa Cruz. all who adopted the new maximum High Balance limit increase from $636,150 to $679,650:

    With the new loan limit of $679,650 and the minimum down payment requirement of 5%, a new home buyer can now qualify for a $715,421 home with only 5% down and no reserves!

    5% = $35,771 and the entire amount can be a GIFT from family.

    The loan limits have increased in every county in California. If you would like to know the new limit in another county, just send me an email or call or text and I'll let you know exactly what it is.

    This is great news for home buyers throughout the state of California and nationwide.

    Sincerely,

    Todd Galde
    (925) 381-8190
     

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