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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
All around great smooth quick transaction
Todd Young at Guild Mortgage was absolutely amazing and a pleasure to work with! From the start, he made my wife and me feel confident and informed throughout our first home-buying journey. Todd was incredibly responsive, personable, and always kept us in the loop with clear communication. He genuinely cared about making the process as smooth and effortless as possible. We were on a tight timeline to close on our new home, and Todd went above and beyond to ensure everything was approved within the month we had. His dedication and expertise were evident as he worked tirelessly to secure us the lowest interest rate possible. Todd’s professionalism and commitment to excellence made a potentially stressful process feel seamless. We cannot recommend Todd Young highly enough! If you're looking for someone who will work hard for you, prioritize your needs, and deliver exceptional results, Todd is the one to call. We will absolutely be seeking his services again if or when we decide to purchase another home. Thank you, Todd, for helping us achieve our dream of homeownership!
todd young was very very good . on a scale from 1 to 10 10 being the highest 10 plus
Todd is always a pleasure to work with. He is attentive and responsive in every interaction. Todd has made my home buying experience effortless and it is a true joy working with him.
Thank you Todd for making this time around much smoother and less stressful. You were great!
Todd Young and the Guild Mortgage loan processing team were engaged responsive and guided us throughout the entire loan process while navigating us to the mortgage loan closing finish line. Would definitely recommend Todd Young
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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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