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Todd Flesner, (NMLS ID 238044)

Todd Flesner

Senior Loan Advisor

NMLS ID: 238044

As part of a nationwide Direct Lending team of seasoned professionals, I can personalize home lending solutions for you.

Apply Now Contact me

1100 Lincoln Avenue, Suite 251

San Jose, CA 95125

About Todd Flesner

My mission is to provide you with trusted advice and counsel to help when making the most important financial decisions of your life, your real estate financing.

As a partner with you in the home financing process, my team and I treat every loan as if it were our own. You can count on up to date market information and a variety of lending programs to meet your individual needs.

In addition, we are committed to keeping you informed throughout the loan process, and are here to answer questions, explain options, and eliminate hassles and worry along the way.

Active involvement in the community is important to me. I've served a number of local organizations in leadership capacities including as President of the Financial Planning Forum, President of the Milpitas Rotary Club, and as Treasurer for Rebuilding Together Silicon Valley.

An alum of Arizona State University, in my home-town of Tempe, I earned a bachelor’s degree in recreation with an emphasis in non-profit management. Prior to entering the mortgage industry in 1999 I enjoyed a 14 year career with the YMCA.

Away from the office I enjoy spending time with family. My wife Cheryl and I, are active in the academic and extra-curricular activities of our three children Tyler, Tara, and Thomas. Together we enjoy the outdoors, camping and can be spotted riding ATV’s at Pismo Beach. Woodworking, in addition to tackling home improvement projects, provide a creative outlet.

Mortgage Specialization

  • Adjustable-Rate Mortgages
  • Condominium Financing
  • Construction Loans
  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Jumbo Loans
  • Pre-Qualifications
  • Professional Loans
  • Second Homes
  • VA Government Loans

Education

  • Arizona State University, B.S.

Languages Spoken

  • English

Client Testimonials

Hear what my previous clients have to say about my work.

Clare C.
San Francisco, CA
“Todd and his team were very easy to work with. As a first time buyer, I felt as if I had a friend helping me through the whole process. Todd is a very intelligent person, but the true distinguishing quality is his empathy and level of patience ”
Julie B
San Jose, CA
“ We had a great consultation and discussion of our mortgage options, and things were explained in a way that we could understand clearly. Todd and his team were fantastic through the whole process and always professional and responded in a timely manner.”
Hamid A
Boca Raton, FL
“Todd and his competent team over-delivered on my refinancing + cashout (substantial). I highly recommend Todd for any mortgage related services. Thank you for the outstanding service Todd. You have a gained a client for life.”
Jingqing Z
San Mateo, CA
“We've worked with Todd on a couple of occasions and he is just so dependable. Todd has experience, and really knows what he is doing. He is a lender who you can trust and help you strategize what's the best financing strategy, Todd is the one to talk too!”
Brad P
Campbell, CA
“Todd is very helpful, professional and responsive. He helped me consider all the options available and made sure I got the best loan given my circumstances. His rates were competitive and his service unmatched. It is great to have him on your side.”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

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STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator
Todd Flesner, (NMLS ID 238044)

Todd Flesner

Senior Loan Advisor

NMLS ID: 238044

As part of a nationwide Direct Lending team of seasoned professionals, I can personalize home lending solutions for you.

Apply Now Contact me

1100 Lincoln Avenue, Suite 251

San Jose, CA 95125

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Todd Flesner, (NMLS ID 238044)

Todd Flesner

Senior Loan Advisor

NMLS ID: 238044