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Todd
Galde

Sr. Mortgage Advisor
NMLS #256864

Your Home. My Passion.

Buying a home is a deeply personal and emotional experience. It can be one of the most rewarding efforts in ones life. The process of buying a home, especially the financing, can also be overwhelming and stressful. As a home buyer, it's important to align yourself with a team of professionals who know what they are doing and who will be with you from start to finish. That's where the Todd Galde Team comes in. But don't take it from us... check out these Zillow reviews... and then call me direct on my mobile phone at 925-381-8190. I look forward to earning your business and becoming your Mortgage Advisor for Life.

Awards and Recognition

  • Chairmans2015
  • Chairmans2016
  • Chairmains2017
  • Chm presidents 2017
  • Branch: San Ramon
    3130 Crow Canyon Place #400
    San Ramon, California 94583
    Direct: 925-394-7732
    Cell: 925-381-8190
    Fax: 925-394-7697
    Email:
    • Run accurate payment scenarios using your personalized calculator.
    • Determine your qualification with the click of a button.
    • Request and print pre-approval letters directly from the app.
    • Capture and upload documents from your mobile device.
    • Real time updates when you achieve important milestones on your loan.
    • Direct communication with your loan officer using the in-app messanger
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    • Download mobile app

      I am very excited to offer you our new mobile app which is designed to make getting your home loan approved and closed as fast and easy as possible.

      All I need is your name, email & mobile phone number. I will text you instructions on how to get started.

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Recent Posts

  • by Todd Galde
    November 26, 2018

    Our new Alt-ATR Mortgage Program, the first of its kind, offers owner-occupied borrowers purchase and refi home loans without requiring income, documentation, employment for their primary homes. Can close in 10 business days.  This is not a stated income loan. This is an equity and asset-driven loan, simple as that. Requires 35% down payment on a purchase, 40% equity on a refinance, at interest rate starting from 5.99%. Interest-only payment option available for the first 5 Years.

    The Alt-ATR home loan is ideal for:

    • Divorcing couples who used to share a mortgage and need to refinance before the final judgment is issued
    • Retired, self-employed, or unemployed individuals
    • Those with irregular pay from professional sports or entertainment, or gaps in employment
    • Owners or employees of cash businesses, such as retailers.
    • Owners of cannabis dispensaries or cannabis-related companies
    • Income derived from sources not deemed legitimate by the federal government
    • Investors of multiple residential properties - no documentation needed.

    This includes income

    • From self-employed people who write everything off on the tax returns.
    • Retired borrowers seeking to tap into the equity of their home.
    • Those with no income but lots of assets and equity.
    • Borrowers with irregular or cash income, and/or lacking income documentation.
    • Those recovering from employment, divorce, foreclosure, short sale, bankruptcy, etc.

    Purchase Loans up to 65% LTV.

    Cash-Out Refinance Loans up to 60% LTV.

    Learn more about the program highlights at https://www.commerceportfoliolending.com/Alt-ATR/

    For divorcing couples:

    Here is an example of a common problem in many divorces:  Spouse A and Spouse B, in the process of divorcing, co-own their family house and are both on the mortgage and title. Spouse A was the sole wage-earner. Spouse B was staying home to raise their kids.  Now Spouse B is the sole owner of the house where they and the kids live. Spouse A would like to be off the hook for the mortgage loan.

    Problems for Spouse A: No bank will refi the loan since they are the only income earner. Their name will remain on the mortgage and they will continue to be responsible for paying for the mortgage payment on the home where Spouse B and the kids will live.

    Problems for Spouse B: They cannot refinance the mortgage in to their name in order to remove Spouse A’s name, even after the court judgment is official, for at least 6-12 months.

    Clean break ASAP: We help both Spouses with a smooth transition from divorce to separate lives. We are the only bank who can lend on a home mortgage immediately after divorce, or even during a pending divorce, because we are a community development financial institution with regulatory certifications.

    Even before divorce is stamped by the court, we can refi their home loan, so Spouse A can be off both the mortgage and title. This allows Spouse A to obtain their own new home loan, if they want to, and for Spouse B to have the consistency of being sole owner on record for both the title of the house and the mortgage.\

    For more information please contact me at 925-381-8190 or tgalde@commercemtg.com. Learn more about me and Commerce Home Mortgage at www.ToddGalde.com.

    Todd Galde

    W. Todd Galde, Mortgage Advisor
    Direct/Text: 925-381-8190
    Commerce Home Mortgage
    NMLS # 256864

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