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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
Todd did an amazing job helping us through this entire process as first time homebuyers. He got us an amazing rate and helped to explain everything to us every step of the way. I would highly recommend Todd!
Todd has been amazing in helping us through this entire proces. He made sure to explain each step so we had a full understanding of what was going on.
Todd was great
Todd and his team were very profressional. They kept me up to date throughout the entire process l. I highly recommend Todd Young and Guild Mortgage!
I had a fantastic experience working with Todd, who made the entire process smooth and "relatively" stress-free. He was very knowledgeable, responsive, and always took the time to explain each step clearly. I truly appreciate his professionalism and would highly recommend him to anyone navigating the mortgage process. Thank you Todd!
Todd was a pleasure to work with - he was available when needed and responded promptly to my inquiries and provided information when needed promptly.
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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