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 ReviewCherryl from Stockton, CARecommended!
I just worked with Todd to purchase my second home. I had a few "different" issues due to living and working in a another state and Todd was able to handle all of them with ease. He was professional and always responsive- no matter the time of day! I would recommend Todd Hart to anyone looking to purchase a home. Thank you Todd!Loan Officer ReviewRonald from Portland, ORRecommended!
Excellent service and great rates
Although we had a difficult time with our loan due to a few credit complications, Todd and KSState Bank pulled through. Todd worked tirelessly in order to ensure that the loan funded on time and that we got the best rate possible.Loan Officer ReviewDane from Plainfield, ILRecommended!
Todd was awesome!!
Excellent experience for first time homebuyers. We worked with Todd to secure a VA Loan to purchase our first home. Our realtor recommended a lender, and we had intended to use them. Todd called us that night and gave us a quote that was 3/8 of a percentage point lower. We decided to use Todd and KS State and are happy we did. Todd was responsive, thorough, and always willing to take the time to answer and explain anything we had questions about. The customer service was amazing. Would absolutely recommend Todd to anyone looking to secure financing for a home, and especially for any veteran looking to use VA benefit so. Todd was very knowledgeable about VA loans and the process.... Read MoreLoan Officer ReviewMaxx from Phoenix, AZRecommended!
Best loan experience I've ever had
Todd is a true professional and provided excellent customer service. He laid out all of my options and went above and beyond to help me get the best rate possible. He was responsive during the entire process and kept me informed every step of the way. I would recommend Todd to anyone looking for a home loan in any situation.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 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.