Cody Todt - Mortgage Lender

05/27/2026

Many buyers think pre-qualification and pre-approval are the same - but they serve very different purposes.

Pre-qualification is a starting point. Pre-approval shows sellers you’re financially ready to buy. I'd be happy to help you understand both and choose the best next step.

📞Give me a call: 618-939-7195

Buying a home is a big step - and knowing where you stand matters.

That’s why understanding the difference between pre-qualification and pre-approval is so important. One helps you plan, the other helps you compete.

We’re here to guide you through both. Give us a call at 618-939-7194 to learn more.

05/27/2026

Always a great time working with this crew! Congrats to my clients on their new home — such an exciting milestone. 🏡 And a big thank you to Monica Schmidt Group - Brokered by EXP Realty and Monroe County Title Co. for making the process so smooth from start to finish.

🏡✨ CLOSED in Waterloo, IL ✨🏡

This was such a great transaction from start to finish! I had the opportunity to help both the sellers and buyers on this beautiful home, and everything came together so smoothly.

The home itself was absolutely impeccable, which truly helped make the process even easier for everyone involved. Both the sellers and buyers were wonderful to work with, and I’m so grateful to have been part of this exciting transition for both sides. 💛

A big thank you to Cody Todt - Mortgage Lender with State Bank and Monroe County Title Co. for helping make this another seamless closing! 🙌🔑

Excited for everyone as they begin their next chapter! 🏡✨

📲 Monica Schmidt Group – eXp Realty
618.567.9203 | [email protected]

🏡🔑

05/26/2026

Off-market wins like this are all about timing, trust, and teamwork!

Grateful to have supported a smooth closing alongside Monica Schmidt Group - Brokered by EXP Realty and Monroe County Title Co.

Congratulations to everyone involved!

05/05/2026

05/05/2026

Supporting our local educators is something I’m always proud to be a part of.

Big thanks to Monica Schmidt Group - Brokered by EXP Realty and Amy Cornett American Family Insurance Agent for partnering with me to celebrate the incredible teachers in our community this week!

04/15/2026

I had the opportunity to meet with the team at Tammy Mitchell Hines & Co. Real Estate this morning to share more about the down payment assistance programs we offer at State Bank. It was a great conversation—answering questions and enjoying some donuts from DONUT PANIC.

If you’re looking to buy but need a little help getting there, give me a call. I’d love to walk you through your options!

04/13/2026

It was a great way to spend the afternoon! Proud to be part of this team. 💙💚

04/08/2026

Proud to have been a part of their journey and grateful for the trust they placed in me along the way. 🏡

Life’s big moments matter - and we love being part of them. Ready for your next home? We’re here to help.
Chat with Cody about your mortgage options!

📞: 618-939-7195
✉️: [email protected]

03/26/2026

Turning goals into reality, one closing at a time! Helping clients reach their real estate goals - whatever they may be -is what we’re here for. 🏡

03/13/2026

Congratulations to our repeat clients on the purchase of their beautiful new home. At this point we’re starting to think they just like the paperwork and seeing us at the closing table.

In all seriousness, we truly appreciate your continued trust in us to help finance another big milestone. It’s always a pleasure working with clients who come back again, and we’re grateful to be part of your journey once more.

Wishing you many great memories in your new home, and we’ll be here whenever you decide it’s time for the next one.

03/11/2026

Another successful closing in the books! 🎉 Congratulations to these two on the purchase of their new ground. Thank you for trusting me to help with the financing.