My Mortgage Advisor - Home Loans by Todd Uzzell

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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

You spend your career helping others. When it’s time to buy a home, make sure you’re asking about homebuyer programs and...
10/14/2026

You spend your career helping others. When it’s time to buy a home, make sure you’re asking about homebuyer programs and assistance options that may be available to you.

Depending on your profession, location, income, and loan qualifications, you may have access to programs that can help with things like down payment or closing costs.

Don’t assume you need 20% down or that homeownership is out of reach before you know your options.

📲 Teacher, nurse, first responder, or another community professional? DM me. Let’s see what options may be available and build your path to homeownership.

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

I may talk mortgages Monday through Friday, but today we’re talking FOOTBALL. 🙌Who’s headed to the game? Drop a ❤️💛 belo...
10/11/2026

I may talk mortgages Monday through Friday, but today we’re talking FOOTBALL. 🙌

Who’s headed to the game? Drop a ❤️💛 below!

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

One of the biggest credit myths is that you need perfect credit before you can even talk to a lender.You don’t have to f...
10/09/2026

One of the biggest credit myths is that you need perfect credit before you can even talk to a lender.

You don’t have to figure it all out on your own. We work with credit professionals who can help identify what may be impacting your credit and create a plan to improve it so you can work toward becoming mortgage-ready.

Maybe you’re ready now. Maybe you need a little time and a game plan. Either way, the first step is finding out where you stand.

🏡 Better credit. Better plan. One step closer to finding the right home.
👇 Comment your biggest credit question or send me a message. Let’s talk about your path to homeownership.

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

Yes, rates matter. But they’re only one piece of the homeownership puzzle.Your budget. Your monthly payment. Your down p...
10/07/2026

Yes, rates matter. But they’re only one piece of the homeownership puzzle.
Your budget. Your monthly payment. Your down payment options. Available assistance. Your long-term goals. That’s the bigger picture.

My job as your lender is to help you understand your options and build a path to homeownership that makes sense for you, not scare you with a headline about rates.
Thinking about buying but rates are holding you back?

📲 Let’s talk about it. You may have more options than you think.

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

For me, mortgage lending isn’t just about closing loans. It’s about helping local families turn homeownership into a rea...
10/05/2026

For me, mortgage lending isn’t just about closing loans. It’s about helping local families turn homeownership into a reality.

Sometimes the biggest hurdle isn’t whether you can buy. It’s simply knowing where to start, what programs are available, or what steps you need to take to get there.
Whether it’s your first home, using down payment assistance, or finding the right loan option, I’m here to help you build a game plan.

👇 Tell me, what’s stopping you from buying right now?

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

One of the biggest myths I hear from Arizona buyers?“I don’t have enough saved for a down payment.” 🏡You may have option...
09/30/2026

One of the biggest myths I hear from Arizona buyers?
“I don’t have enough saved for a down payment.” 🏡

You may have options! Arizona offers several Down Payment Assistance programs, including:

🏡 HOME Plus
🌵 Arizona Is Home
🔑 Home in Five Advantage
📍 Local city and county programs

Depending on the program, assistance may help with your down payment and/or closing costs.

Every program has different income, credit, location and eligibility requirements, so don’t count yourself out before checking.

📲 DM me “DPA” and let’s see what options may be available to you.

*Programs are subject to eligibility, funding availability and change.
🏠
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

Been staring at that outdated kitchen? Ready for a new bathroom, backyard makeover, pool, or extra living space?You may ...
09/28/2026

Been staring at that outdated kitchen? Ready for a new bathroom, backyard makeover, pool, or extra living space?
You may not have to rely entirely on savings to make it happen.
A cash-out refinance allows eligible homeowners to replace their current mortgage with a new, larger loan and receive a portion of their available equity back in cash.
That money could potentially help fund projects like:

🔨 Kitchen renovations
🛁 Bathroom remodels
🏡 Room additions
🌵 Backyard upgrades
🏊 Pool projects
⚡ Energy-efficient improvements

But here’s the important part: a cash-out refinance isn’t automatically the right move just because you have equity.
Your current mortgage rate, new rate, closing costs, monthly payment, available equity, and long-term plans should all be considered.
Before you start picking countertops, let’s look at the numbers and see if using your equity makes sense for your goals.
📲 Thinking about renovating? Send me “RENO” and let’s talk through your options.

*Cash-out refinance eligibility, loan amounts and terms are subject to credit, income, property value, available equity and underwriting requirements. Refinancing may increase your loan balance, monthly payment and total interest paid.

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

If you haven't explored Surprise recently, this weekend might be the perfect time.Surprise added more than 7,000 residen...
09/23/2026

If you haven't explored Surprise recently, this weekend might be the perfect time.
Surprise added more than 7,000 residents in the latest annual Arizona population estimates, one of the largest increases in the state.
And with that growth has come more shopping, restaurants, entertainment and housing options.
One area showing just how much this side of the Valley is changing is Village at Prasada near Loop 303 and Waddell.
You can spend an afternoon exploring the area, grab something to eat and then drive through some of the nearby communities.

For buyers who automatically start their search in the East Valley, the West Valley might surprise you.
More growth. More communities. More options.
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

You wouldn’t walk onto the field without knowing the play.Buying a home shouldn’t be any different.Before you start look...
09/19/2026

You wouldn’t walk onto the field without knowing the play.
Buying a home shouldn’t be any different.
Before you start looking at houses, your game plan should include knowing your budget, understanding your financing options, getting pre-approved, and having the right people on your team.
Then when the right house hits the market, you’re ready to make your move.
I’ll handle the mortgage playbook.
For now, we’ve got a game to watch.
Forks Up! 🔱🏈
👨🏼🏫Todd Uzzell
📝 NMLS # 1525192
📲 (480) 330-1724 call or text me

If it feels like there’s a new community popping up every time you drive across Arizona, you’re not imagining it.New con...
09/14/2026

If it feels like there’s a new community popping up every time you drive across Arizona, you’re not imagining it.
New construction continues to be a major part of Arizona’s housing story, but some areas are seeing much more activity than others.

🏡 West Valley: Buckeye, Surprise and Goodyear continue to be major growth areas with new communities and builder activity.

🌵 Southeast Valley: Queen Creek and San Tan Valley remain important new-build markets as development pushes farther outside established areas like Gilbert and Chandler.

🔑 Pinal County: Maricopa, Casa Grande, Florence and Apache Junction are areas worth watching as housing growth continues farther south and east.
Current data shows hundreds of developments planned or underway across the Phoenix Valley, representing nearly 300,000 future housing units, with much of that development concentrated around the edges of the metro.
And for buyers, new construction can bring a completely different financing conversation.
Builder incentives, rate buydowns, closing cost contributions and financing options can all affect the real cost of buying.
Before you walk into the model home, let’s run the numbers.
That beautiful new build might be closer to your budget than you think. 🏡🔑
📲 Thinking about buying or building in Arizona? Let’s talk about your financing options.
👨🏼🏫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

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