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Home Loans Simplified

My commitment is to offer cost-effective mortgage solutions, both for refinancing and purchasing a home. Catering to a more diverse range of clients, including first-time homebuyers and experienced homeowners, and I also provide personalized assistance to meet their specific needs.

home loan consultation
todd uzzell

About Todd

As a Mortgage Loan Officer at Van Dyk Mortgage, Todd Uzzell is dedicated to facilitating all aspects of the home buying process, including home purchases, refinances, and investment properties. 

With his extensive experience and knowledge, he has assisted a diverse range of homebuyers in all stages of life, from first-time buyers, to those looking to move up or downsize, and investors.

Todd guides potential homeowners through the complexities of buying a home and strives to ensure a seamless experience for He is particularly skilled in assisting homebuyers with little to no money down.

In addition to his professional pursuits, Todd is also an avid outdoors enthusiast and a proud father of two children from Arizona and Texas.


My Services

There is a wide range of mortgage services available to suit your specific needs.
Kindly review the options below to determine which one do you need.

conventional loan

Conventional Loan

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate.

fha loans

FHA Loan

An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.

jumbo home loan

Jumbo Loan

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac.

VA Home Loan

VA Loan

A VA loan is a mortgage loan in the United States guaranteed by the United States Department of Veterans Affairs (VA). The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.

usda loan


USDA loans are zero-down-payment mortgages for rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.

down payment assistance loans

Down Payment Assistance Loan

Down payment assistance programs can be administered by a local or state housing authority, a nonprofit organization or directly through your lender. They provide a set amount of money to qualified homebuyers.

non qm mortgage

Non QM Loan

A non-QM loan is any loan product that doesn't meet the standards of a qualified mortgage. Non-QM loans can have higher mortgage rates than a 30-year, fixed-rate mortgage.

hard money loans

Hard Money Loan

A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies.

Play Video about Todd Uzzell - Mortgage Loan Officer

Why Choose Todd

No Overlays

I strictly adhere to the guidelines set forth by USDA, FHA, VA, Fannie Mae, and Freddie Mac during the underwriting process.

Competitive Rates

I prioritize building long-term relationships with partners and clients, and strive to maintain cost-effective overhead and profit margins.

Extensive Loan Options

In addition to a full book of standard loans, I also offer HELOC's, Bank Statement Loans, DSCR, some Commercial Multi Family opportunities.

Client Focused

Client satisfaction is my top priority, and I ensure that my clients are kept informed throughout the loan process and beyond with our Mortgages Under Management service. My aim is to provide a truly best experience, which is why I strive for a 5-star rating.

Client Testimonials

We are new homeowners and Todd really worked hard to make that happen.

Todd took us from start to finish and advised and informed the entire way along our journey. Todd kept us informed of all aspects of the operation the entire time.

Todd also provided many options on how to purchase a home and helped us decide on the best type of loan for our home.

Todd set up appointments in a very timely manner and this was all wrapped up in 45 days from start to finish.

We love our new home and can not thank Todd and Starboard Financial enough for the V.I.P. care we received from them.

We were treated with respect and patients and all the information and decisions that could be provided.

I would recommend and urge anyone thinking of purchasing a home to contact Todd @ Vandyk Mortgage. Thanks again Todd
Geoffry Leyrton
Geoffrey Layton
Todd was very helpful and super quick with the loan process.

We received our pre-approval and he got to work right away.

One month after that we closed on a beautiful home in Tartesso.

Would highly recommend his services and will definitely be back to work with him on our next home in the future.

Thank you so much Todd!!!
Bankorani Momotoro
Bankorani Momotoro
I am so glad I had Todd to help me through the mortgage process.

He was very helpful and patient as I called him many times to ask questions, double check details and make requests.

He picked up the phone every single time. He explained the various loan options and helped weigh out pros and cons.

I highly recommend working with Todd and his team if you want prompt communication and an overall great experience!
Audry Godfrey
Aubrey Godfrey

Types of Mortgages

There are many different loan types and mortgage options available to home buyers. If you are interested in calculating your potential mortgage payment, check out the mortgage calculators on this site. Here are a few of the most common types:

  • Fixed-rate mortgage:
    • This is the most popular type of mortgage, in which the interest rate remains the same for the life of the loan.

  • Adjustable-rate mortgage (ARM):
    This type of mortgage has an interest rate that can change over time, usually in response to changes in the market.

  • FHA loan:
    This type of loan is insured by the Federal Housing Administration and is available to first-time home buyers or those with low credit scores.

    • Mortgage insurance (sometimes called pmi) is an important part of obtaining a mortgage loan, as it helps to protect lenders from losses if a borrower defaults on their loan; it is typically required for loans that are insured by the Federal Housing Administration.

      And is available to first-time home buyers or those with low credit scores, and it is important to note that mortgage insurance is required in order to obtain a loan with a lower down payment or a loan with a higher loan-to-value ratio.

  • VA loan:
    This type of loan is available to active duty military personnel and veterans and is guaranteed by the Department of Veterans Affairs.  Current or previous service members can take advantage of these loan programs.

  • Jumbo loan:
    This is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, which may be necessary for borrowers who want to purchase a high-priced home.

  • Conventional Mortgage:
    This is a mortgage that is not insured or guaranteed by the government. It is the most common type of mortgage for borrowers with good credit and a down payment of at least 5%.

  • Reverse Mortgage:
    This is a mortgage available to homeowners aged 62 or older that allows them to borrow against the equity in their home without having to make monthly payments.

  • Refinance:
    A home loan refinance is a great way for homeowners to take advantage of the equity they have built up in their home.
    • By refinancing their existing mortgage, homeowners can access the equity in their home and use it for a variety of purposes, such as home improvements, debt consolidation, and paying off student debt.

      Tips and advice are plenty when it comes to how to use the funds from your cash out refinance.  The mortgagee can utilize these resources for more than just buying points or closing costs.

      As long as there isnt a pre-payment penalty, or balloon payment, a rate and term refinance is a great way to pay down your principal with a shorter amortization term.

  • Home Equity Loan:
    • Home Equity Loans (helocs) are a popular option for those looking to leverage their home equity to fund a large purchase or consolidate debt.

      This type of loan allows you to borrow a lump sum of money, usually at a fixed rate, and then repay it over a period of time.  

      Many mortgage banks offer these loans depending on your finances.  Credit unions are another common source for HELOC’s but you often must have one or more savings accounts open with them.

      Customer service and support are a big issue with these types of loans.  Companies like rocket mortgage are great at advertising, but location and accessibility often make others a better option.

      The best mortgage lenders act as an advisor and offer guidance to all of the offers and categories of loans available.  The list of loan options can be in the thousands…quite daunting.

  • Construction Loan:
    • Construction loans (can also be renovation loans) are a type of loan that are specifically designed to help finance the building of a structure or home.

      They are typically short-term loans that are used to cover the cost of materials, labor, and other expenses associated with the construction of a new building. Most mortgage refinance lenders dont offer average families the option of a construction loan.

      The application process or preapproval process for these loans requires a credit check, standard contact information, and working with home insurance companies to determine which homeowners insurance is the top match for the home value and zip code.

      The down payment amount is calculated by using a calculator or more specifically a mortgage calculator.  Construction loans are not always best for renters becoming homeowners, and places like bank of america wouldnt consider offering them.

      The required deposit, lender fees, and whether a person is self-employed are other factors used in the qualification process. Residents of places like Hawaii, Washington, D.C., New Hampshire, or non citizens of this country (the U.S.) might also not be able to use a construction loan to be come a homebuyer.


Mortgage Lender Qualifications

To qualify for a mortgage, lenders generally look at a borrower’s credit score, debt-to-income ratio, employment history, and assets. Online FAQS, reviews, and opinions are some ways people find their future mortgage loan officer. Here are a few specific things that lenders might consider when evaluating a borrower’s qualifications for a mortgage:

  • Credit Score:
    A borrower’s credit score is a measure of their creditworthiness and is an important factor in determining their mortgage rate. Most lenders prefer borrowers to have a credit score of at least 620, although some may require a higher score.  There might be discounts on specific mortgage products if the score on the credit report is high enough.  Credit history is a major factor in how mortgage professionals determine qualifications for various loan amounts.

  • Debt-to-income ratio:
    This is a measure of how much of a borrower’s income is used to pay their debts. Lenders typically want this ratio to be below 43%, although some may be more lenient depending on budget.

    • We notice that many people use credit cards to pay off their debts, but lenders usually prefer that the ratio of credit card debt to total debt be kept below 43%, as having too much credit card debt can be a sign of financial instability and make it difficult for borrowers to pay back their debts in a timely manner.

      Student loans are also considered in this calculation.  The balance and terms of repayment are factors in determining the payment used.  

      In recent years, many people with student loans have reaped the benefits of forbearance.

      Unfortunately this isn’t a payment plan, and using $0 for the payment is not usually an option.

  • Employment history:
    Lenders generally want to see a stable employment history, with borrowers having been at their current job for at least two years.  Homeownership isnt restricted to these employment rules, but a 2 year work history is the standard.

  • Assets:
    Lenders may require borrowers to have a certain amount of money saved in assets, such as a down payment or cash reserves, in order to qualify for a mortgage.

  • Down payment:
    Most lenders require borrowers to put down a certain percentage of the purchase price of the home as a down payment. The amount of the down payment can affect the mortgage rate and terms offered by the lender.


Mortgage Lender Responsibilities

  • Mortgage lenders have a number of responsibilities when it comes to providing loans to borrowers and providing a 5 star mortgage experience. Some of these responsibilities include:
  • Evaluating a borrower’s financial situation: Lenders must carefully review a borrower’s financial/banking situation, including their credit score, debt-to-income ratio, and employment history, to determine if they are a good candidate for a mortgage.  If for some reason you are denied (often due to credit rating), the lender is required to send a denial letter.  You could also login to the app (if available) or visit one of the branch locations and see why you were denied.
  • Providing loan options: Lenders must provide borrowers with a range of loan options to choose from, based on their financial situation and the type of home they are purchasing.  Once your loan amount is determined, you will receive a rate quote and apr disclosure.
  • Disclosing terms and conditions: Lenders are required to fully disclose the terms and conditions of a mortgage loan to borrowers, including the interest rate, fees, and any other costs associated with the loan.
  • Processing the loan: Lenders are responsible for processing the loan, including verifying the borrower’s financial information, calculating property taxes, issuing a cd, ordering any necessary appraisals or title searches, and finally funding the loan.
  • Servicing the loan: Lenders are responsible for collecting and processing mortgage payments from borrowers and for enforcing the terms of the loan agreement if the borrower defaults on the loan.
  • Complying with regulations: Lenders must follow all applicable federal, state, and local laws and regulations when providing mortgage loans. This includes fair lending laws that prohibit discrimination against borrowers on the basis of race, gender, religion, or other protected characteristics.



Apply for a Loan

If you are ready to get the process started, click the button below to start your home loan application. 

Todd Uzzell - Mortgage Lender

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