Todd Bultman, Senior Loan Officer, Certified Mortgage Advisor, NMLS 1484950

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  • Todd Bultman, Senior Loan Officer, Certified Mortgage Advisor, NMLS 1484950

Todd Bultman, Senior Loan Officer, Certified Mortgage Advisor, NMLS 1484950 PRMG NMLS #75243 Equal Housing Opportunity, Product and service availability may vary by state. https://www.nmlsconsumeraccess.org/

Thank you for taking the first step in the process of home ownership. I have been in the mortgage industry since 2001 and have worked on both the sales and servicing side of the mortgage industry. If there is a question about any of the different steps along the way, chances are I will be able to explain what is happening. I happen to love being a loan officer because I feel fulfilled when I can help someone achieve the dream of homeownership. I am also a CMA CERTIFIED MORTGAGE ADVISOR™ which is the standard of excellence in the mortgage industry. I am a father of 5 children, and we keep very active within our church, school and the community we live in. I have a passion for sports and that has been passed along to all of my children as they are involved in baseball, football, basketball, soccer and cheerleading. I am here to serve you when it is convenient for you. I don’t consider this a 9-5 job, but I am here when you need me. If it’s a pre-approval on a weekend, or a call after work in the evening, I can help you out. I look forward to helping you navigate your way through the home buying process.

Home equity can create opportunities but understanding your options is where the real value starts.The goal isn't choosi...
12/09/2026

Home equity can create opportunities but understanding your options is where the real value starts.

The goal isn't choosing a HELOC, a closed-end second, or a cash-out refinance.

The goal is understanding which approach may help support what you're trying to accomplish. Every homeowner's situation is different, which is why these conversations are rarely about products first. They're about goals.

If you've been wondering what your home equity could potentially help you achieve, let's have a conversation.



Home Equity | HELOC | Cash Out Refinance | Second Mortgage | Homeowner

12/09/2026

Impulse Decisions, Mortgage Edition

Falling in love with a house is exciting — but rushing your mortgage decision can cost you big in the long run.

Take a breath, explore your loan options, and make sure you’re choosing the right fit for your budget and future goals. That’s where I come in. I’ll walk you through the numbers, explain the fine print, and make sure you feel confident before you sign.

Feeling a bit 'homebuying-tired'? Don't worry, I'm here to help you navigate the twists and turns of securing your dream...
11/09/2026

Feeling a bit 'homebuying-tired'? Don't worry, I'm here to help you navigate the twists and turns of securing your dream home loan with a smile. Let's keep the process as smooth as butter, so you can soon be 'spreading' the joy of homeownership!

Your down payment isn’t the only upfront expense to consider when buying a home. Depending on the loan program and trans...
11/09/2026

Your down payment isn’t the only upfront expense to consider when buying a home. Depending on the loan program and transaction, a seller may be able to contribute toward certain closing costs. If you’re negotiating an offer, understanding how seller contributions could affect your overall cash-to-close can help you evaluate the full financial picture, not just the purchase price. Have questions about your situation? Send me a message – I’m happy to help!

11/09/2026

If you’re under contract… read this

These 3 things can delay or even deny your loan if you’re not careful:

Changing jobs or how you get paid
Lenders need a stable income. Big changes can raise red flags.

Large deposits with no paper trail
If money shows up, we have to show where it came from.

Opening a new credit or financing anything
This can change your score and your approval amount.

I know it seems small… but timing matters a lot during this process

My job is to guide and handle all of this so nothing gets messed up at the finish line.

If you’re under contract or getting close.
Reach out before you make any big moves

Before you fall in love with a home, it’s important to understand how the details could affect your financing and overal...
10/09/2026

Before you fall in love with a home, it’s important to understand how the details could affect your financing and overall budget. 🏡 From property condition to HOA costs, what you learn about a home can influence the bigger financial picture. If you’re getting ready to buy, send me a message and let’s make sure your financing is ready when the right home comes along!

10/09/2026

Hey, as long as I help the one who needs it!

Getting preapproved is about more than finding out how much you may be able to borrow. 🏡 It’s an opportunity to explore ...
09/09/2026

Getting preapproved is about more than finding out how much you may be able to borrow. 🏡 It’s an opportunity to explore your financing options, compare what’s available, and choose a mortgage that makes sense for your budget and long-term goals. As your loan officer, I’m here to walk you through the numbers, answer your questions, and help you understand your options so you can make an informed decision. If buying a home is on your horizon, send me a message and let’s get your financing plan in place!

When you’re buying a home, the appraisal is an important part of the process, providing an independent opinion of the pr...
09/09/2026

When you’re buying a home, the appraisal is an important part of the process, providing an independent opinion of the property’s value. Appraisers consider factors such as recent sales of comparable homes, location, size and features, overall condition, and improvements. These details help determine how the home compares with similar properties in the local market. Understanding what goes into an appraisal can help you set realistic expectations, make informed decisions, and feel better prepared for closing.

09/09/2026

You get the keys and think, “I made it!”

Then suddenly it’s:
“Set up your water.”
“Set up your power.”
“Here’s your insurance.”
“Don’t forget WiFi.”

And you’re standing there like… I JUST ARRIVED.

Buying the house is a huge milestone, but there are still a few little things to set up once you move in.

Save this as your reminder: utilities, internet, insurance, and address changes should all be on your move-in checklist.

Address

WI

Telephone

+12623977096

Website

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