The Mortgage Advisor Who Used to Teach — and Never Stopped
20+
Top 1%
2003
2
From the Classroom to Colorado’s Most Trusted Mortgage Broker
Todd Gehrke started his career as a high school marketing teacher in the Cherry Creek School District. He learned something there that has defined everything since: when people truly understand what they are doing and why, they make better decisions.
He entered the mortgage industry and found a profession full of complexity, misaligned incentives, and people who’d rather close a loan than explain one. He saw an opportunity to do it differently.
Over 20 years later, Todd is ranked in the Top 1% of loan officers nationally by the Scotsman’s Guide. He holds the Five Star Professional designation — awarded annually since 2003, making him one of only 13 loan officers in the United States to hold this designation every year since the award’s inception.
His clients are not just homebuyers. They are people who want to use their biggest financial asset — their home — as part of a real wealth strategy. Todd builds that strategy with them, starting on day one.
In 2007, he founded Affluentology, a financial philosophy built on a simple premise: everyday people can retire younger with more money if they make the right decisions with their debt and their equity.
He has written two books on personal finance and mortgage strategy. He is licensed in Colorado. He picks up the phone.
Todd’s Credentials
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20+ years in the mortgage industry
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A Track Record Built on Referrals
20+
Top 1%
5 ★
2003
2007
2
Your Mortgage Is a Financial Instrument. Are You Using It Like One?
Todd founded Affluentology in 2007 around a premise that seems obvious once you hear it: the difference between people who build real wealth and people who don’t isn’t income. It’s decisions — specifically, how they manage debt, equity, and investment.
Your home is typically your largest asset. Whether it becomes the foundation of your financial life or just a monthly payment depends on the decisions you make with your mortgage. Todd built his practice around making sure his clients make the right ones.
That means: choosing the right loan structure for your long-term goals, not just the lowest payment today. Building equity strategically. Understanding when to refinance — and when not to. Using real estate as a wealth-building vehicle, not just a place to live.
Everyday people can retire younger with more money.
Book a free 45-minute strategy session. Todd will review your situation and tell you exactly what you qualify for — typically within 24 hours.