Todd Vinther Professional Headshot

Todd Vinther

NMLS# 713824Residential Loan Officer

Apply Now

About

As a Residential Loan Officer serving Northern California since 1993, Todd Vinther helps clients navigate the mortgage loan process from start to finish, providing knowledge drawn from his extensive time in the business and the partnerships he's made.

Todd has collaborated extensively with local real estate experts for several decades, helping homebuyers align their budget and goals before and during the home shopping process. He balances insight with experience, and uses his knowledge to educate clients on what to expect along the way.

When he's not working with clients, Todd is likely out on the water. He's an avid sports fan who loves fly fishing in his spare time.

Ready to start your home buying or refinancing journey? Give Todd a call today.

Featured

A woman in camo holding a young child

Government loan options

Federal Housing Administration (FHA) loans have been helping people become homeowners since 1934. These loans offer favorable rates and low down payment requirements.

Government Loans
A woman holding a chair in a living room full of boxes

Buy your first home

If you’ve never bought a home or haven’t owned one in recent years, let us walk you through the process. Our specialists will listen to you, explain the options and help you find the best home loan for your situation.

First-Time Homebuyers
A happy man looking at a smartphone

Freedom from high interest rates

Refinancing is an ideal way to lower your monthly payment, finance home improvements and to consolidate your debt. Our specialists can help you determine if now is the right time to refinance.

Home Refinance

Services

Purchase
Refinance
Cash-Out Refinance
Down Payment Assistance
Pre-Qualification
Mortgage Rates
Fixed Rate Loans
Adjustable Rate Loans
Vacation/Second Homes
Investment Properties
Land Loans
Home Equity Line Of Credit (Heloc)
Community Land Trust

Payment Calculators

Blue and white calculator

Mortgage Calculator

Enter your loan amount and interest rate to calculate your estimated monthly payment.

The letter A with a down arrow and the letter B with an up arrow

Rent vs. Buy a Home

The decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.

Craftsman style house with a chimney.

15 vs. 30 Year Mortgage

Paying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.

A right hand open with a dollar bill floating above it.

Mortgage Refinance

Interest rates are just one factor in determining if a refinance is right for you.