Good Credit Can Mean a Good Deal on a Mortgage.
Be Prepared. Know Your FICO ® Scores with MyScoreIQ
Your credit scores can help determine if you qualify for a loan and what interest rates you receive. Actively monitoring your credit allows you to stay on top of changes to your credit report, including possible suspicious activity. Be confident by knowing your FICO® Scores – the scores used by 90% of top lenders.*
Refinancing your current home loan could be a great option if you want to...
Lower your Mortgage interest rate
Take cash out to pay down debt or improve your home
Shorten the length of your mortgage
Convert to an Adjustable-Rate-Mortgage (ARM) into a fixed rate loan
Cancel your mortgage insurance
Use this calculator to determine if refinancing is the right option for you. Estimate the amount of money refinancing your mortgage could save you by comparing your current loan with different variables on a new loan including interest rates, loan terms, cash out, etc.
About Me:
I’m a second-generation native of San Diego, California, with over 25 years of experience in sales, specializing in Mortgages, Real Estate, and Insurance. I began my career in 1999 selling Long Term Care Insurance, and over the years, I’ve developed a deep understanding of the financial needs and challenges people face.
In 2013, I married my wife, Sayla "Maggy," and proudly adopted our two wonderful children, Kevin and Evelyn. My journey in sales has been driven by a passion for helping individuals and families secure their financial futures, and I’m excited and ready to serve my clients with the expertise and care they deserve.
Loan Officer: Todd Martin Gorman
NMLS ID: 379724
CA DRE: 01701211
Approved States: CA, FL, GA, NC, SC, TN, TX & VA
Branch Address: 4883-B Ronson Court, San Diego, CA 92111
Email: [email protected]
Business Phone: (844-619-9500
Cell Phone: (951) 265-5302
Fax: 949-861-7451
Corporate: RSI Financial Services
Company NMLS: 275688
Approved States: AL, AZ. CA, CO, FL, GA, ID, IL, IO, MD, NC, OK, OR, PA, SC, TN, TX & VA
Company Address:
31726 Rancho Viejo Road Suite 204
San Juan Capistrano, CA 92675
Phone: 949-422-5054
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REARDEN S INCORPORATED DBA RSI Financial Services is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential.
REARDEN S INCORPORATED DBA RSI Financial Services NMLS #275688 Licensed States:
California Department of Real Estate, Broker # 01790626, Colorado Mortgage Company Registration, Florida Mortgage Lender License - MLD2454, Idaho Mortgage Broker/ Lender License -MLB-2080275688, North Carolina Mortgage Lender LIcense L-218926
Oregon Division of Financial Regulation, License NO: 5442,South Carolina Mortgage Broker License, Texas SML Mortgage Company License #275688, Virginia Mortgage Broker License MC-7802,
Additional Disclosure
Texas: 7 TAC §80.200(b)
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.