Todd Claus - GFS Home Loans NMLS #209512

11/03/2026

Self-employed and your tax returns don't show what you really earn? Let 12 months of bank deposits tell the story.

✅ Qualify with 12 or 24 months of bank statements
✅ No tax returns required
✅ Business or personal statements
✅ Built for owners, 1099 earners and gig pros

Start here 👉 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

Todd Claus | Division Regional Manager | NMLS # 209512
GFS Home Loans, Inc. | NMLS # 35960
Equal Housing Lender | nmlsconsumeraccess.org

#1099

11/02/2026

Investors: what if the property qualified you instead of your tax returns? That's the idea behind a DSCR loan.

✅ Qualify on the property's rental income
✅ No personal income docs or tax returns
✅ 1-4 unit properties, LLC vesting available
✅ Purchase or cash-out refinance

Start here 👉 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

Todd Claus | Division Regional Manager | NMLS # 209512
GFS Home Loans, Inc. | NMLS # 35960
Equal Housing Lender | nmlsconsumeraccess.org

11/02/2026

Rates ended last week at their lowest point since late September.

Where things landed (national averages, Mortgage News Daily, 10/30):
• 30-yr fixed: 7.27%, down 0.06 for the week
• 15-yr fixed: 6.92%, down 0.06
• FHA: 6.90%, down 0.08
• VA: 6.91%, down 0.08
• Jumbo: 7.55%, down 0.05

On the housing side, new listings are down 1.5% from a year ago (Realtor.com) and single-family completions are down about 11% this year. Fewer homes coming to market means pricing and prep matter more than ever if you're selling, and a quick move matters if you're buying.

Rates change daily. The best way to know what today's number means for your budget is to get Pre-Qualified.

DM us UPDATE and we'll walk you through it.

11/02/2026

My weekly email detailing the weeks mortgage, real estate and business news

A weekly email detailing the weeks mortgage, real estate and business news.

10/31/2026

Happy Halloween! 🎃👻

Wishing you a night full of treats, safe trick-or-treating and the best candy on the block.

From our team to your home, have a spooky, sweet one.

10/30/2026

Every great career has a defining move. Branch manager seats are open across NorCal. Make your move and own your P&L.

✅ Your team, your comp plan, your upside
✅ Full product menu: Conventional, FHA, VA, Jumbo, DSCR, Non-QM, HELOC
✅ An AI-powered lead engine built into the platform
✅ Marketing, ops and compliance support behind you

Start here 👉 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

Todd Claus | Division Regional Manager | NMLS # 209512
GFS Home Loans, Inc. | NMLS # 35960
Equal Housing Lender | nmlsconsumeraccess.org

10/30/2026

Breaking up with your landlord this spooky season? 👻

Every rent check builds someone else's equity. When you own, those monthly payments start working for you.

Not sure where to start? Getting Pre-Qualified shows you what you could afford, so you can house-hunt with confidence.

Comment BOO and visit https://www.gfshomeloans.com/loan-officer/todd-claus to plan your next step.

10/29/2026

Rent goes up almost every year. A fixed-rate mortgage locks your principal & interest for the life of the loan.

✅ Fixed principal & interest that never rises
✅ Every payment builds your equity, not your landlord's
✅ No more surprise renewal increases
✅ Ownership can be closer than you think

Start here 👉 https://localbest.ai/directory/mortgage-lending/walnut-creek-ca/todd-claus-of-gfs-home-loans

Todd Claus | Division Regional Manager | NMLS # 209512
GFS Home Loans, Inc. | NMLS # 35960
Equal Housing Lender | nmlsconsumeraccess.org

10/29/2026

Trick or treat? When you're buying a home, you want the treats. 🎃

Tricks to skip:
• Surprise costs at closing
• Shopping before you know your price range
• Opening new credit before you close

Treats to grab:
• Knowing your costs upfront
• Getting Pre-Qualified first
• Keeping your credit steady until the keys are yours

Comment TREAT and we'll help you skip the tricks.
https://www.gfshomeloans.com/loan-officer/todd-claus

10/28/2026

Haunted houses? Please. These are the real scares. 👻

• Rent going up. Again.
• Opening a new credit card during underwriting
• House hunting without being Pre-Qualified

The good news: all three are avoidable with a plan.

Which one scares you most? Tell us below, or visit https://www.gfshomeloans.com/loan-officer/todd-claus and we'll help you skip the scary parts.