Loan Officer Location
About Me
Loan Officer · NMLS 148626
With having over 20 years of experience in the mortgage lending industry I’m proud to say that I’m not only well versed with mortgage financing options but over time have become a fanatic when it comes to creating the absolute best financial solutions for my Friends/Clients! Fact of matter, when you combine my knowledge with the resources I have available it really helps create the Wins that my Friends/Clients look for!
In addition to having a caring approach in positively impacting people’s lives and making a difference I would summarize myself as a true professional that takes pride in helping my Friends/Clients obtain AMAZING results when it comes to working with me!
My work ethic is something that sets me apart from many! I say to my Friends/Clients all of the time "You always have me in your pocket! With the power of technology, I’m a simple text or call away and my response times are insane! Additionally, you have access to me via email direct or through my website. My cell is NEVER shut off and the internet is always running so let’s just say the only reason you won’t be able to reach me is if I'm on the phone or sleeping"!
My objectives are simple! Always strive to be the best I can be! I set goals, meet goals, create new goals and meet new goals! “All you will ever be, you are now becoming” is one of my favorite quotes! It’s so endless with its inspiration!!!
My Location
Carrico Laguna 10 Pointe Drive Suite 330, Brea, CA 92821
Social Survey View
Todd H Zelcer's
OVERALL RATING
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"Everything Todd..."
Everything Todd does. The quickness the best communication and keeping you updated
Joshua
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"Todd never gave..."
Todd never gave up. He's a go getter and he finds answers for you in a timely manner. He's an amazing listener,kind,positive human being. I can't ever thank him enough. His team is great because of him.
Shirley
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"Todd is always on..."
Todd is always on top of it, making sure we get through it quickly and efficiently!
Allison
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American Financial Network, Inc. is providing the calculator tools above as a courtesy and results are estimates only. Please consult with a licensed American Financial Network, Inc. Loan Originator for more specific information and to discuss your individual needs and circumstances. Standard disclaimers apply.
Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.