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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
    Download My app
    • 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 W. Todd Galde
    December 12, 2017

    I sent my letter to Santa a month or so ago and all I wanted for Christmas was an increase in the Loan Limits for 2018. Well, guess what. Santa Claus came through, and even before Christmas day!

    That's right, the FHFA announced early this month that the traditional Conforming and the High Balance Conforming loan limits will be increasing for 2018. This is great news because it allows more buyers to qualify with the less restrictive guidelines from Fannie Mae, Freddie Mac, and even FHA, who adopted the new loan limits last week.

    How does this affect YOU and your buyers, you ask?

    Here is a good example of how the increase helps buyers in the counties of Contra Costa, Alameda, Marin, Napa, San Francisco, San Mateo, Santa Clara and Santa Cruz. all who adopted the new maximum High Balance limit increase from $636,150 to $679,650:

    With the new loan limit of $679,650 and the minimum down payment requirement of 5%, a new home buyer can now qualify for a $715,421 home with only 5% down and no reserves!

    5% = $35,771 and the entire amount can be a GIFT from family.

    The loan limits have increased in every county in California. If you would like to know the new limit in another county, just send me an email or call or text and I'll let you know exactly what it is.

    This is great news for home buyers throughout the state of California and nationwide.

    Sincerely,

    Todd Galde
    (925) 381-8190
     

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