As an independent broker, Todd accesses dozens of wholesale lenders to find the right rate and the right program for your situation — not the one his employer needs to sell this quarter.
Most homebuyers go to their bank first. It feels familiar, it feels safe — and it costs them. When your bank can only offer its own products, you are seeing maybe 3–5% of the available mortgage market. Todd Gehrke accesses the rest.
As an independent mortgage broker, Todd submits your application to dozens of wholesale lenders, compares their rates and terms, and brings you the best combination of rate, costs, and program fit. One application. Multiple options. A recommendation backed by 20+ years of experience.
But the rate is just the beginning. Todd also makes sure you understand how your purchase fits into your long-term financial picture — whether that is your first home, a move-up, or the foundation of a real estate portfolio.
Who This Is For: First-time buyers wanting guidance. Move-up buyers navigating sell-before-you-buy. Colorado relocators. Buyers with complex financial situations. Anyone who wants to understand the wealth implications of their purchase before they sign.
A bank can only offer you their own loan products. As an independent broker, Todd Gehrke shops dozens of wholesale lenders on your behalf — the same lenders banks use, but at wholesale rates. You get more options, more competitive pricing, and an advisor who works for you, not the lender.
A bank can only offer you their own loan products. As an independent broker, Todd Gehrke shops dozens of wholesale lenders on your behalf — the same lenders banks use, but at wholesale rates. You get more options, more competitive pricing, and an advisor who works for you, not the lender.
Book a free 45-minute strategy session. Todd will review your situation and tell you exactly what you qualify for — typically within 24 hours.
Book your free 45-minute strategy session. Todd will review your situation, explain your options, and give you a pre-approval you can put to work.