The Mortgage ToddCast

When it comes to buying a home, most people focus on one number: their salary.

But when a lender looks at your ability to qualify for a mortgage, there’s another number that can be much more important. 🏡💰

In this episode of the Mortgage Toddcast, we break down the income number that actually matters when determining what you may be able to afford—and why your salary alone doesn't tell the whole story.

Understanding how lenders look at income, debt, and monthly obligations can completely change the way you approach buying a home.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Is a 30-year mortgage just “bad debt,” or could it actually be a strategic financial tool? 🏡💰

In this episode of the Mortgage Toddcast, Todd takes a closer look at the way homeowners think about mortgage debt and why a 30-year mortgage may make more sense than paying off a home as quickly as possible.

The goal isn't always to eliminate debt at all costs. Sometimes, the way you structure your mortgage can give you flexibility to use your money elsewhere, build wealth, and make financial decisions that align with your long-term goals.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Adjustable-rate mortgages (ARMs) have a reputation for being risky—but is that reputation deserved? Or could an ARM actually be a smart strategy for the right homebuyer? 🏡

In this episode of the Mortgage Toddcast, Todd breaks down how ARMs work, why some buyers consider them, and what you need to understand before choosing one.

Whether you're a first-time homebuyer, planning to move within a few years, or simply exploring your mortgage options, understanding the potential benefits and risks of an ARM can help you make a more informed decision.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Should you ask the seller to fix everything? And what repairs are actually worth negotiating? 🏡🔧

In this episode of the Mortgage Toddcast, Todd breaks down one of the most important—and often misunderstood—parts of buying a home: repair negotiations. After the home inspection, it's easy to feel overwhelmed by a long list of findings, but not every item needs to become a negotiation.

Learn how to approach repair requests.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]

Life changes—and sometimes your home should too. 🏡

In this episode of the Mortgage Toddcast, Todd is joined by special guest Sheila Bonn, an experienced Realtor, to discuss one of the biggest questions homeowners face: Should you stay where you are or move?

Whether you're welcoming a new baby, becoming empty nesters, changing careers, working from home, or simply feeling like you've outgrown your current space, making the right housing decision can have a lasting impact on your finances and your lifestyle.

Sheila and I share practical insights to help you evaluate your options and make a decision that fits both your current season of life and your long-term goals.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]

Thinking about renovating before selling, refinancing, or even staying put? You may want to hit pause first. 👀

In this episode of the Mortgage Toddcast, we break down the home upgrades that actually add value… and the ones that can drain your budget.

We’re talking through the renovation mistakes homeowners make all the time — and how to make smarter decisions before swinging the first hammer.

Whether you’re preparing to sell, trying to build equity, or simply wondering if that remodel is worth it, this episode could save you thousands.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]

Buying a home as your family grows is exciting—but it can also come with costly mistakes if you’re not prepared. 

In this episode of the Mortgage Toddcast, Todd breaks down some of the biggest mistakes growing families make when purchasing a home and how to avoid them. From outgrowing a house too quickly to overlooking future expenses, this conversation is packed with practical advice to help families make smart, long-term decisions.

Whether you’re expecting your first child, need more space, or are planning for the future, this episode will help you buy with confidence and clarity.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]

There’s a strategy smart homebuyers are using right now—and most people have no idea it exists. 👀

In this episode of the Mortgage Toddcast, Todd reveals one of the biggest secrets buyers are using to gain an advantage in today’s market, save money, and make homeownership more achievable than ever. If you’ve been feeling stuck, discouraged by rates, or unsure if now is the right time to buy, this episode is for you.

The truth is, successful buyers don’t always wait for the “perfect market”—they use the right strategy.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]

Ever wondered why a title company is involved when you close on a home loan? You’re not alone—and today, we’re breaking it all down.

In this episode of the Mortgage ToddCast, Todd sits down with special guest Heather Awtrey to walk you through the critical role title companies play in the home buying process. From protecting your ownership rights to ensuring a smooth and legally sound closing, this is one piece of the puzzle you definitely don’t want to overlook.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]

Artificial intelligence is no longer coming for the mortgage industry — it's already here. And if you're buying a home in today's market, that's actually really good news for you.

In this episode, Todd breaks down exactly how AI tools are reshaping the home search process.

This isn't a tech episode. This is a people episode. Because at the end of the day, no algorithm can tell you what it feels like to walk through the front door of the house that's meant for your family. But the right tools can make sure you don't miss it.

I am Todd Reynolds, and I want to help you build wealth through homeownership!

You always start with a mortgage professional! We are happy to help and answer any questions you have! There are no dumb questions.

Give me a call!

Todd Reynolds 
NMLS #918636
817-912-0039 
[email protected]