Top 1% loan officer. 20+ years. Access to dozens of wholesale lenders. Your home purchase is step one — the wealth plan is what comes next.
20+
Years in Mortgage
Top 1%
Nationally — Scotsman’s Guide 10 years running
5★
Since 2003
You already know you need a mortgage. What you may not know is that the lender you choose will shape your financial future for the next 30 years.
Todd Gehrke is an independent mortgage broker in Denver, Colorado — which means he works for you, not for a bank. He shops dozens of wholesale lenders to find the right program for your situation. Then he does something most loan officers don’t: he explains the math.
Twenty-plus years. Top 1% nationally. Five Star Professional every year since 2003. A reputation built entirely on referrals.
It’s not magic. It’s just math. And it starts with a conversation.
The Affluentology Philosophy
Todd Gehrke founded Affluentology in 2007 around one idea: everyday people can retire younger with more money — if they make the right decisions with debt, equity, and investment. It starts with your mortgage.
What Todd Helps With
Whether you’re buying your first home or building a rental portfolio, Todd structures the financing around your long-term goals.
01
Shop more lenders, get a better rate. From first-time buyer to move-up, Todd handles it — and builds the wealth strategy in from day one.
02
Lower your rate, shorten your term, or access equity. Todd runs the break-even math before he recommends anything.
03
04
20+
Years in the industry
Top 1%
5.0 ★
113+
When your loan officer works for a bank, they sell you that bank’s products. Todd works for you.
Independent broker — access to dozens of wholesale lenders, not just one bank’s products.
Todd doesn’t advertise. Every client comes from a referral or a review — which means every review carries real weight.
113+ Google Reviews
Jennifer & Mark T. — Parker, CO — review pending verification, placeholder
Book a free 30-minute strategy session. No obligation, no pressure — just straight answers about your options and what they actually cost.