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Todd Young
Sales Manager
NMLS# 148654
About me
Outside of work, I cherish spending quality time with my family. We love enjoying the sunny days at the Jersey Shore in the summer, hitting the slopes at various ski destinations in the winter, and cheering on my daughter at her sports activities. These moments with my family are incredibly important to me and provide a wonderful balance to my professional life.
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Down payment assistance
If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA
If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
Reverse mortgage loan
If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
Needed a quick pre-approval on a Saturday afternoon, and Todd had it done for me within an hour. You really can’t ask for better service than that—fast, professional, and reliable.
I like the way mr todd work with me he is very good with the way he explain everything he is the best
I was so excited to be a first time home buyer and Todd you are the best to get us here all of our hard work payed off 5*'s Thank you,
I was so excited to be a first time home buyer and Todd you are the best to get us here all of our hard work payed off 5*'s Thank you,
Todd was communicative in all phases of the transaction and was available during the transaction if I had a questions. He was a pleasure to work with.
Delivered what was promised! A clean and smooth transaction from beginning to end! Best part we worked as a team for our client and they now are officially first time home buyers when they they thought it was impossible!
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NMLS ID #148654
I am authorized to do business in the states of Delaware, Florida, New Jersey and Pennsylvania. Licensed by the N.J. Department of Banking and Insurance; 
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