I have over 25 years of mortgage banking experience and have worked with thousands of families and individuals with their financing needs. I have specialized in Physician financing, traditional jumbo financing, and construction financing over my career . We can also offer a low 5% down payment no mortgage insurance solution and specialized construction loans for early professionals. Nearly all of our loan products do not require mortgage insurance and none of our products have a prepayment penalty for early pay off. We are a bank and keep all of these loans on our portfolio and make all decisions in house. We also have several different product lines and loans available up to $6,000,000. Please call me with your scenario. In many cases we can make exceptions to our guidelines. I look forward to assisting you in your next purchase or construction loan.

Loan Officer: Todd Dalton
States: CA, ID, NV, NM, OR, UT


Low down payment options to 95% and in some cases 100% financing. We have programs with no PMI, large loan amounts if necessary up to 6MM. We offer construction to perm loans.


MD, DDS, DO, PHD, including special programs for PA’s, Pharmacists, Veterinarians, CPA’s, and Attorneys


We are a bank and you will find all of these products on our portfolio. Approvals are not needed by a third party and we are not selling these loans off. We are part of Zions Bancorporation with bank divisions in multiple states.

Todd Dalton (NMLS# 332678) can be reached at 858-213-8007 or [email protected]