About Todd
Mortgage advice built around the decision — not just the loan.
Todd Klinger helps homebuyers, homeowners and real estate investors evaluate mortgage financing as part of a broader financial decision. That means comparing loan structures, cash requirements, monthly payments and long-term tradeoffs — not simply quoting a rate.
How Todd approaches financing
The mortgage is one part of the financial picture.
The lowest rate isn't automatically the best financing strategy.
Down payment, liquidity, monthly payment, loan structure, future plans, investment goals and how long you expect to own the property can all change which option makes sense.
Todd's approach is to understand the objective first, compare available financing structures and help the borrower evaluate the tradeoffs clearly.
Who Todd works with
Different goals. Different financing questions.
Google reviews
What clients say.
Reviews published on Google for Loans by Todd K.
“Working with Todd has been a great experience. His communication is excellent and he can get fast answers when you need them. Also used him for a quick HELOC after closing on my home. Recommend 10/10!”
“Todd single handedly saved my portfolio. Seriously. This guy is amazing. Not only does he do great work, he’s also just a great person to work with. I could not recommend him any stronger.”
“Todd was attentive, personable, thorough, and punctual. Comparing apples-to-apples against other borrowers and lenders at the time of our transaction, we got a great rate at a great price. Look no further.”
5.0 based on 12 Google reviews
Licensing
Todd Alexander Klinger
Mortgage Loan Originator / Mortgage Advisor
Individual NMLS #1825956
Barrett Financial Group, L.L.C.
Company NMLS #181106
Consumer brand: Loans by Todd K
Todd's local contact office
This is Todd's local contact address. Barrett Financial Group's corporate address appears in the licensing disclosure below.
Let's talk strategy
Bring me the scenario. We'll work through the strategy.
Whether the situation is straightforward or complex, start with the goal and work backward into the financing.