Loan Officer Profile
About MeI have been in the mortgage industry since 2002, and have been involved in almost every facet of the business. You have my personal guarantee that you will receive unparalleled guidance and advice throughout the entire process. I strive to provide the very best terms available, while making myself available whenever I am needed. You can call or text me anytime, and I'll be here to answer your questions. I take the time to make sure my borrowers are comfortable and well informed. If you give me a call, you'll be glad you did.
- Employed by: KS StateBank since 2013
- Arizona and nationally
Recently Answered Questions
Ratings & Reviews
Loan Officer Reviewchristopher from Panama City Beach, FLRecommended!
Todd and crew were Excellent!
There was a tight schedule toward the end where the builder moved up closing date and added stipulations and Todd and his crew made sure that I was able to close super early with very little notice!Loan Officer Reviewmarie from Colorado Springs, CORecommended!
VA Refinance Expert!!!!
We had been trying to get a VA refinance for almost 9 months with a local lender. Every month we were told one thing or another to the point we were ready to give up! I mentioned this to my nephew and he referred us to Todd. I called Todd on December 20th 2016 and within a few hours we were on our way to a VA refinance! Todd and his group explained everything to us through email and phone( we live in a different state than Todd). He was also able to give us clarification on VA rules. I would absolutely recommend Todd and his group! He knows how the VA works!! On February 2nd 2017 we had a new VA Loan with a low interest rate....THANK YOU, THANK YOU Todd... Read MoreLoan Officer ReviewJOHN from Clarksville, TNRecommended!
Above and Beyond type service
I worked with Todd the first time when I purchased my home in 2015. I had a nightmare of an experience with the relators because I made the mistake of going with a husband and wife duo. One representing us and one the sellers. Todd went ABOVE and beyond his job description by fighting for us when it came to the sale. He answered our million questions and pretty much acted as our realtor. He was fantastic! Then as many do the hundreds of refinance mailings kept coming in the mail. We called Todd and he explained what they all meant and did a refinance for us as well. The signing was a terrible experience and he handled our complaint with the Title agency and fought for us to get a refund on the signing fee. This guy goes above and beyond his title. He will make sure you feel like you are his only active account because he will see you through all the way! I work at a Credit Union and Todd is my first person I recommend to a potential buyer, not even my own company!... Read MoreLoan Officer ReviewPeggy from Clawson, MIRecommended!
What a GREAT Expereince
Todd was always responsive to my needs. We had a hiccup closing out my HELOC causing our closing date to change. That did not sway Todd. He found another title company that would work with my bank. Todd also took the time to explain rates and charges so I made a very informed decision. Todd was referred to me by a family member and I would certainly refer him to another, and another, and another! It was nothing short of a GREAT experience - thanks to Todd... Read MoreLoan Officer ReviewSUSAN from Scottsdale, AZRecommended!
2 Great Experiences!
Todd was referred to me by a friend who was very impressed with his skills. Todd did a re-fi for me in early 2016 and did a great job. I used Todd again later in 2016 to finance another home purchase. Todd is really fantastic. He is accessible, bright, maps out every detail for you and will guide you the exact pros and cons of any given loan. He really understands the business in great depth. I have used other professionals before and they simply did not compare to Todd. There were no surprises, the loans went off as scheduled and he secured very competitive rates and closing costs for me. I highly recommend Todd... Read MoreLoan Officer ReviewNina from Scottsdale, AZRecommended!
Two fantastic experiences!!
I was a first-time home buyer when Todd came to the rescue in 2014! I was intimidated with the whole loan process and how complex things seemed, but my experience with Todd was effortless! He was always available to answer any questions I had, in addition to teaching me the odds and ends of the loan process since I was so green. Buying a home can be a stressful endeavor, but Todd's expertise and knowledge in lending lead me to get an awesome loan that I don't think I'd be able to beat elsewhere. I also refinanced my home with Todd a few month ago and am SO pleased with the lower interest rate we were able to secure. I would HIGHLY recommend using Todd for your lending needs. Both of my experiences with him have been awesome!... Read MoreLoan Officer ReviewLiz from Maricopa, AZRecommended!
Todd is amazing at what he does. Not only was my refinance quick and painless- but he was attentive to my questions, was extremely detail oriented, and super accurate on fees up-front- no surprises later in the process! (ALL things that make the process go that much better). I hope I can definitely refer some business his way because with his caring personality and the amazing rates his company offers- the combo just can't be beat... Read MoreLoan Officer ReviewArlie from Surprise, AZRecommended!
Working with Todd was such a great experience. We were impressed with his knowledge, helpfulness, professionalism and eagerness to make the home buying process as painless as possible. We'll definitely use Todd for any future home buying needs and recommend his services to family and friends. Thanks, Todd!Loan Officer ReviewRobert from El Cajon, CARecommended!
Todd Hart: Perfect Professional
I don't usually spend the time to review places or people but I feel that I have to let people know what a great asset Todd Hart is. I found Mr Hart through a computer generated lead email so I was very skeptical about him initially. It only took a couple of minutes talking to him that I realized how knowledgeable he truly was. My housing search took a couple of months and throughout the whole ordeal, Todd was there to answer any questions I had. He even was gracious enough to answer questions over the weekend and at nights (though I wouldn't recommended that,lol). Todd was the consummate professional; had an answer for all my questions, was easy to reach, fast on paperwork and was extremely helpful through the whole process. Btw, the charges were less than any comparable banks I had checked. Don't be nervous about online lenders, don't let your local lender corral you into a bad deal..... At the end, it's your money, and every bit counts on a loan! You are doing yourself a disservice if you don't check with Todd Hart. I can't recommend him enough,thanks again Todd... Read MoreLoan Officer ReviewJames from Citrus Heights, CARecommended!
First time home buying made easy.
The main reason I went with Todd from KS State Bank was because unlike many of the lenders here, he emailed me sent me an email with all the rates and fees outlined from the beginning, as opposed to calling me from a generic toll free number. So I called Todd of KS State Bank on my time, with all the information I needed. From then on, Todd walked me through the loan process (first time Home Buyer using VA loan) and answered every question I had honestly. He was always fast to respond to emails and texts or return phone calls when he was unable to answer immediately. He was familiar with the VA loan process and knew how to proceed in every scenario the home buying process threw at us. The only reason we did not close on the original date set was because of issues on the sellers end. Todd was ready well in advance and kept in constant communication with my Realtor during the final stage of the closing... Read MoreI have been in the mortgage industry since 2002, and have been involved in almost every facet of the business. You have my personal guarantee that you will receive unparalleled guidance and advice throughout the entire process. I strive to provide the very best terms available, while making myself available whenever I am needed. You can call or text me anytime, and I'll be here to answer your questions. I take the time to make sure my borrowers are comfortable and well informed. If you give me a call, you'll be glad you did.