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My Mortgage Advisor - Home Loans by Todd Uzzell

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United States
Gilbert, AZ
My Mortgage Advisor - Home Loans by Todd Uzzell

Buying a home should be exciting—not stressful! Let’s make your next move a success! NMLS 1529252

Todd Uzzell I am a Licensed Loan Officer.

I help homebuyers, agents, and investors with tailored mortgage solutions, seamless closings, updates so everyone stays in the loop. Todd Uzzell is a Mortgage Loan Officer at Starboard Financial, where he facilitates all aspects of the home buying process, including home purchases, refinances, and investment properties. Todd has assisted homebuyers in all stages of life, from first time homebuyers

, to move up/step down, and investors too. Todd helps potential homeowners to understand the complexities of buying a home and ensures a seamless experience. Todd is an expert in helping homebuyers purchase homes with little to no money down. Todd is a lover of all things outdoors and a father of two great kids from Arizona by way of Texas. Please contact me with all of your mortgage loan needs and questions. I am licensed in CA, AZ, TX, WA

08/17/2026

Whether you're purchasing your first home, building your dream home, refinancing, or exploring Down Payment Assistance, we're here to answer your questions and make the mortgage process as simple as possible.

🌵 Fun Arizona Fact:
Did you know Arizona is home to 22 national parks, monuments, and historic sites? From the red rocks of Sedona to the Superstition Mountains and the beauty of the Sonoran Desert, there's a place for everyone to call home.

As a local Arizona lender and Realtor, I know our communities, understand the market, and passionate about helping families achieve homeownership across the state.

💙 Personalized service.
🏡 Local expertise.
📞 Real people who answer the phone.

📲 Ready to talk?
🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

08/14/2026

The truth? If you qualify, the HOME Plus Program may provide up to 4% down payment assistance to help with eligible upfront homebuying costs.

Here's what you should know:

✅ Up to 4% Down Payment Assistance
✅ Available with FHA, VA, USDA, and Conventional loan options
✅ Can help eligible buyers purchase sooner
✅ Available to qualified Arizona homebuyers
✅ Income, credit, occupancy, and program guidelines apply

Every buyer's situation is different, which is why we take the time to review your goals and determine which loan and assistance programs may be the best fit for you.

📩 Think you might qualify?

Click the link in my bio or DM "HOME PLUS" to see if this program could help you become a homeowner.

📲 Ready to talk?
🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

08/12/2026

The truth? Many buyers qualify for loan programs that require much less down, and some may even qualify for Down Payment Assistance to help with eligible upfront costs.

Here are a few common questions we get:

❓ Do I have to be a first-time homebuyer?
❓ How much money do I need to get started?
❓ Is there a minimum credit score?
❓ Can I combine DPA with FHA, VA, or Conventional loans?
❓ Do I qualify based on my income?

The answer depends on your unique situation and the program you're applying for.

That's why we're here to help you understand your options and determine what you may qualify for before you start shopping for a home.

📩 DM "DPA" or leave your questions in the comments. We'd love to help you take the next step toward homeownership!

👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

08/05/2026

There's nothing better than celebrating closing day and helping another family take the next step toward building wealth through homeownership.

A huge congratulations to our amazing borrower on this exciting milestone! Wishing you many years of happiness, memories, and new beginnings in your home.

🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

08/03/2026

If buying a home has been on your vision board this year, now is a great time to check in with yourself.

Have you...
✔️ Started saving for your down payment?
✔️ Checked your credit?
✔️ Gotten pre-approved?
✔️ Explored loan options like Down Payment Assistance, VA, USDA, or Construction Loans?

No matter where you are in the process, you don't have to figure it out on your own.

At Starboard Financial, we believe homeownership should feel exciting—not overwhelming. Our local team is here to answer your questions, explain your options, and create a personalized plan that fits your goals and your budget.

Whether you're ready to buy next month or next year, taking the first step today can make all the difference tomorrow.

🏡 Your dream home starts with a conversation.
📩 Let's chat about your next step! Send us a message or give us a call we'd love to help you get closer to the keys.

👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

07/31/2026

Most buyers focus on negotiating the purchase price—but that isn't always the strategy that has the biggest impact on your monthly payment.

Here's why:

🏡 A $10,000 price reduction lowers the amount you're financing.

📉 A $10,000 seller credit, when allowed by the loan program and negotiated appropriately, may be used to help pay eligible closing costs or, in some situations, fund a temporary or permanent interest rate buydown.

Depending on the loan, interest rate, and how the credit is structured, that could have a greater impact on your monthly payment than simply reducing the purchase price.

The key isn't just negotiating the best deal—it's negotiating the right deal for your financial goals.

That's why I look at the whole picture: the home, the financing, and the numbers that matter most to you.

💬 Comment "MATH" and I'll show you how a price reduction compares to a seller credit based on your target home.

*Examples are for illustration only. Actual savings depend on the loan amount, interest rate, loan program, seller concessions, and individual borrower qualifications.

🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

07/27/2026

Many buyers don't realize that if you haven't owned a home in the last 3 years, you may still be considered a first-time homebuyer for certain programs.

One option to explore is Arizona Is Home, offered through the Home in Five Advantage program.

Depending on your eligibility, the program may offer:

✅ Down payment assistance for qualified buyers
✅ A deferred, forgivable second loan under program guidelines
✅ No monthly payments on the assistance while program requirements are met
✅ Eligibility based on factors such as household income, credit score, residency, and the property being purchased

Every program has its own qualifications, income limits, and requirements, so it's important to review your individual situation with a participating lender.
💬 Comment "DPA" and I'll help you determine which Arizona down payment assistance programs you may qualify for.
*Program guidelines, funding availability, income limits, credit requirements, and forgiveness terms are subject to change. Not all borrowers or properties will qualify.
🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

07/24/2026

Most buyers walk in and head straight for the kitchen.

I'm looking at the things that could impact your financing.

✔️ The roof – Its condition can affect the appraisal and, for some loan programs, property eligibility.

❄️ The A/C unit – In Arizona, it's more than a comfort feature. Its condition and age may become part of the inspection conversation.

🏘️ The HOA – HOA dues are part of your monthly housing expense and can affect loan qualification. It's also important to review the community's rules and documents.

☀️ Solar panels – If they're leased, they may need to be reviewed during the loan process and could affect qualifying.

🏠 Visible foundation or structural concerns – Certain issues may require additional evaluation before closing.

Buying a home isn't just about finding the one you love—it's about making sure it works for your financing, too.

That's why I look at every home from both a buyer's perspective and a lender's perspective.

💬 Comment "TOUR" if you'd like me to walk through a home with you and point out the things that could matter during the financing process.

🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

07/22/2026

📍 Gilbert
📍 Chandler
📍 Queen Creek
📍 Mesa
📍 Tempe

As someone who lives here, lends here, and now sells here, I might be a little biased—but every one of these communities has something unique to offer.

Whether it's top-rated schools, neighborhood parks, community events, newer homes, or family-friendly amenities, there's no one-size-fits-all answer. It all depends on the lifestyle you're looking for.

💬 Drop your rankings in the comments (1–5)! And if your favorite town isn't getting enough love, defend it we're here for the debate. 😄

🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

07/20/2026

For years, I've been a licensed mortgage loan officer (NMLS #1525192), helping families finance their homes.

Now, I'm also a licensed real estate agent.

Why does that matter?

Because buying a home involves two critical pieces of the puzzle:

🏠 Finding the right home and negotiating the contract.

💰 Securing the right financing and getting to the closing table.

Having experience on both sides of the transaction gives me a broader understanding of the process and helps me communicate more effectively with everyone involved.

Whether we're talking financing, contracts, timelines, or the steps between offer and closing, my goal is to make the experience as smooth and informed as possible.

If you're thinking about buying, selling, or simply have questions about the process, I'm here to help.

📲 Ready to talk? Give me a call or send me a message!
🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

Address

4145 E. Baseline Road
Gilbert, AZ
85234

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 7pm

Telephone

+14803301724

Website

https://todduzzell.com/

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