We were building a custom home in Encinitas and had no idea how complicated the construction loan side could be until we started talking to banks. Todd was in a completely different league. He understood the process, the builder requirements, the draw schedule, and the realities of coastal construction. He structured the loan perfectly, caught several issues before they became problems, and kept everything moving. The financing side ended up being the smoothest part of our entire build, which I never thought I’d say.
— Mark & Lisa R., Encinitas, CA
