Home Loans - Todd Benware Team

Home Loans - Todd Benware Team Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Home Loans - Todd Benware Team, Mortgage brokers, 1011 Camino Del Mar, Suite 236, Del Mar, CA.

12/17/2025

Unlock the door to your dream luxury home with a Prime Jumbo Interest-Only Loan! 🏡💼

This premium mortgage option is perfect for high-value properties exceeding conforming loan limits.

For the initial period (often 5-10 years), you pay only the interest, keeping payments lower and giving you maximum flexibility.

Three Great Benefits:
1. Lower Monthly Payments – Free up cash flow for investments, renovations, or lifestyle enjoyment during the interest-only phase.

2. Qualify for a Larger Loan Amount – Easier approval for expansive or high-end homes in competitive markets like California.

3. Financial Flexibility – Ideal for high-income professionals expecting income growth or planning a future sale/refinance.

The Todd Benware Team at Home Plus Mortgage specializes in tailored jumbo solutions with over 30 years of experience. We’re here to guide you every step of the way and secure the best terms for your needs!

Ready to explore your options? Contact us today for a personalized consultation. 📞 DM or visit toddbenware.com

12/10/2025

🏡💡 Traditional financing isn’t the only way to get a deal done — and for many buyers, it’s not even the best way.

If you have equity, strong assets, or non-traditional income, you may qualify for options outside of standard lending guidelines. That’s where private money comes in.

✨ Private funding can help you:

Move faster in competitive markets

Leverage equity for new property

Qualify without traditional income documentation

Unlock opportunities traditional lenders might decline

Your path to owning property doesn’t have to fit inside a box.

📩 DM me to explore your options and see how private money can help you secure your next deal with confidence.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com


We are so grateful to have had a wonderful year working with so many incredible people. Every conversation has had value...
12/04/2025

We are so grateful to have had a wonderful year working with so many incredible people. Every conversation has had value with clients, colleagues and partners all working together to achieve the same goals.

The Todd Benware team aims to increase financial opportunities for those seeking assistance towards real estate, business, or just upgrading areas of their life that includes funding.

With our highly experienced team, we want to help you move into a new year excited about valuable opportunities. Contact us and let’s get you started.

Realtors! You don’t have to figure it out alone. Contact me to get the right plan started and strategy for success.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com

12/04/2025

It’s the end of the year and so easy to talk about buying a home… and also how hard it feels to finally take that first real step.

We daydream.
We scroll Zillow.
We save screenshots like they’re vision boards.
And we keep saying “soon” like it’s some magical moment on the calendar that will reveal itself when life feels less chaotic.

But here’s the truth most people never say out loud:
Getting pre-qualified isn’t scary.
It’s clarity.
It takes minutes, not months.
And once you know your real numbers, everything gets easier — your search, your budget, your plan, your confidence.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com


12/04/2025

Before you sign the dotted line… pause.

Not out of fear — out of awareness.
Because this moment isn’t just about ink and paper — it’s about everything that led you here.

The late-night scrolling through listings.
The spreadsheets.
The sacrifices you made to make those numbers work.
The quiet “what if” moments when you wondered if you’d ever get here.

Buying a home isn’t just a transaction. It’s emotional. It’s messy. It’s the mix of excitement and anxiety that no pre-approval letter can prepare you for.

So before you commit, take one more look — not just at the house, but at your why.
Ask yourself if this home feels like a place where your life can breathe.

Because when the rush fades, what matters most isn’t how fast you closed — it’s how right it feels when you walk through that door every day.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com


11/25/2025

🏡💥 Real estate deals don’t always fall apart because of bad luck… sometimes it’s preventable.

Here are some of the most common reasons a home purchase can fall through:

1️⃣ Funding Denied — You financed a big purchase during escrow (car, furniture, credit card spike).
2️⃣ Job Change or Loss — Any shift in employment can impact loan approval.
3️⃣ Low Appraisal — The home appraises for less than the purchase price, causing loan complications.
4️⃣ Major Inspection Issues — Unexpected repairs or structural problems can stop everything.
5️⃣ Title Problems — Seller delays due to liens, ownership disputes, or unresolved title issues.

The good news?
You don’t have to navigate these risks alone.

At the Todd Benware Team, we make sure everything is handled the right way — from pre-approval to closing. We prepare you, protect you, and guide you through every step so your deal stays on track. ✔️

📲 Contact us today to make sure every box is checked and your home purchase closes smoothly and successfully.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com


11/24/2025

Do you want a new home for Christmas? Let’s get you approved and snuggled by the living room fire this holiday season. ⛄️🎄

Contact the Todd Benware Team today to get the approval process started:

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com

11/18/2025

✨This week marks 30 incredible years of the Todd Benware team empowering people to achieve financial success through lending options that truly make a difference.

From businesses to families and individuals from all walks of life, we’ve helped turn the impossible into reality.

We’re proud to have gone the extra mile for every client and remain dedicated to moving forward, making dreams come true every day. Here’s to many more years of success and support! 💫

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com

11/18/2025

Looking to buy a home in Hawaii? 🌺🌴

The Todd Benware Team is here to help you secure the funding you need! Whether you’re investing or finding your forever home, we’ll guide you every step of the way.

Contact us today and let’s get you started on your journey to island living!

Realtors! You don’t have to figure it out alone. Contact me to get the right plan started and strategy for success.

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com

11/18/2025

🏠💡 Thinking About Adding an ADU? Let’s Talk About Why You Should!

Building an Accessory Dwelling Unit (ADU) on your property isn’t just a home upgrade — it’s a smart investment that can create permanent monthly income and increase your property’s overall value. 💰📈

Whether you want to:
✅ Generate rental income
✅ Create a private guest suite or office space
✅ Boost your long-term property value

— an ADU can make it happen!

At the Todd Benware Team, we help homeowners get the funding they need to bring their ADU vision to life. From exploring loan options to guiding you through approvals, we make financing your build simple and stress-free.

💬 Ready to start your money-making journey with an ADU? Message us today and let’s get you on the path to permanent income and financial freedom!

Del Mar Branch NMLS # 2310137

📍 1011 Camino Del Mar, Suite 236
Del Mar, California 92014
☎️ Phone: (800) 511-4080
✉️ [email protected]
🌐 www.toddbenware.com


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1011 Camino Del Mar, Suite 236
Del Mar, CA
92014

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