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Todd Wilson

Todd Wilson

Top Producing Loan Officer helping people get loans when they were turned down by banks

Followers of Todd Wilson5000 followers
location of Todd WilsonSanta Rosa, California, United States

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  • Timeline

  • About me

    Mortgage Loan Officer at Bay Area Financial Services, Inc. & Credit Expert at Crack The Credit Code

  • Education

    • Lost Everything in 2007-08 and Built a Successful Hard Money Lending Company from Nothing

      2007 -
      School of hard knocks

      When the mortgage market came crashing down with the economy, I switched jobs from working for a broker and started a partnership with Scott Oechslin. We began ARC Capital, a hard money lending company in June 2007, a time when everyone else said it couldn't be done. Instead of failing, as everyone expected, we worked hard and built up from 2 investors to having several hundred investors and are now able to help many borrowers who couldn't get loans from the banks.While the… Show more When the mortgage market came crashing down with the economy, I switched jobs from working for a broker and started a partnership with Scott Oechslin. We began ARC Capital, a hard money lending company in June 2007, a time when everyone else said it couldn't be done. Instead of failing, as everyone expected, we worked hard and built up from 2 investors to having several hundred investors and are now able to help many borrowers who couldn't get loans from the banks.While the majority of lenders were closing their doors, we were paving a new road by figuring out exactly what was needed and wanted by borrowers and investors. It turned out to be a simple thing that everyone wanted: the truth. By telling people what could and couldn't be done and by being willing to get answers to their questions, we gained the trust of borrowers and investors. Show less

    • Skyline High School

      1979 - 1982
      H.S. Diploma College Prep

      Activities and Societies: Swim Team

    • California State University - East Bay

      1982 - 1987
      Business

      Activities and Societies: Delta Sigma Phi Fraternity, Swim Team

  • Experience

    • Top Producing Loan Officer at mortgage company specializing in hard money and non-conventional loans

      Feb 2001 - Apr 2007
      Top Producing Loan Officer helping people get loans when they were turned down by banks

      Top producing loan officer focusing on helping people get loans when they had credit problems, property problems or couldn't qualify for a loan for other reasons.

    • ARC Capital, providing hard money (private money) and alternative lending

      Jun 2007 - Sept 2019
      Partner

      Hard Money loans (Private money) and alternative lending. I help people who cannot get conventional financing from banks. Bad credit? Problem property? Can't prove income? Call me!

    • Crack The Credit Code

      May 2019 - now
      Author

      Crack The Credit Code is an American textbook on credit. It is for anyone who wants to understand their credit, needs more information about credit scores and how they work, or who has ever had difficulty with credit. The intention of this book is to educate the American public on the subject of credit and to do so in a way that is easy to understand and use.

    • Golden Bear Financial

      Sept 2019 - Jun 2021
      Loan Officer Specializing in Hard Money and Non-Prime loans

      Since 2001, I have been specializing in helping people with mortgage loans when others can't do it. In order to figure out the best possible solution, sometimes it takes a different viewpoint to look outside the "normal" way of doing things. This is what I do. Many people are even told by hard money lenders that nothing can be done. Then they come to me and I figure out a way to make it work because I am willing to take the time to look at the whole situation. If you need help with a mortgage and are not getting it, contact me and I will help you figure out the correct solution. Show less

    • Bay Area Financial Services, Inc.

      Jun 2021 - now
      Mortgage Loan Officer

      Specializing in alternative financing, especially hard money loans.

  • Licenses & Certifications

    • CA Bur of Real Estate License #01322338 and NMLS #309743