Todd Emerson Albrecht

VP of Mortgage Lending

724 S. Pearl St, Denver, CO 80209
Contact Todd
NMLS: 1161827

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Todd and his team are rock stars!

Brian M. | August 2018

I would recommend Guaranteed Rate and Todd to anyone!

Paul S. | August 2018

Absolutely the best. We used them twice, the second time to consolidate the first 2 mortgages. Todd is amazing and his team was wonderful. Fast, easy to work with and we couldn't be happier. I will be recommending Guaranteed Rate when my son purchases a new house

David C. | July 2018

Todd was thorough, accessible and personable. We enjoyed working with him!

Carrie K. | July 2018

Help me to understand many important files. Specially he guided at closing to eliminate problems. Thanks Todd.

Shoji M. | June 2018

Todd and his team were FANTASTIC. Excellent communication, incredible service and great use of tools and technology. Todd even came to my closing, so that we could meet in person.

Anthony D. | May 2018

Todd you have an excellent staff, thanks to Christy, Carol, and Kathy for making it easy to refinance my loan. They were great to work with. Special people in my book a special thankyou to Todd as well.

Charles W. | April 2018

Very smooth and easy transaction. Todd and his team did a great job.

Stephen S. | May 2018

Todd and his team were FANTASTIC. Excellent communication, incredible service and great use of tools and technology. Todd even came to my closing, so that we could meet in person

Anthony D. - May | 2018

Todd and team were great!

Shane C. | May 2018

The whole team was great. Thank you all for everything.

Chris B.

Todd and his crew were amazing. They were super responsive and cared about closing the deal as much as I.

Gavin M.-Castle Rock,CO | JUN 2016

Todd Albrecht was a blessing to my family. I struggled with getting into another mortgage due to a bad experience the last time we purchased a home. The moment Todd took things over, I was at peace. He made this process so smooth and I got a better rate then I had expected, and we closed sooner than I thought. Todd and Guaranteed Rate are on the top of my referral list. I have already sent Todd two other buyers. More to come!

Chris H. -Erie, CO | APR 2016

Todd and his team were very efficient and always quick to communicate information to me on the status of the loan process. I wish I had found them sooner for other properties I've purchased.

Ronald S. -Denver, CO | APR 2016

Todd, and everyone we worked with through the process, were amazing. Very competent and great attention to detail. Best experience I can remember in refinancing over the years.

James B. -Colorado Springs, CO | APR 2016

Not only did we find the best interest rate with Guaranteed Rate, but it was also the easiest home-buying and approval process we've ever experienced. We couldn't have asked for a better loan officer, and we'll be going straight back to Todd for our next home purchase. Thanks!

Paul & Nicole

Friendly and got the job done fast and easy.

Patrick N.

I can't say enough good things about Todd Albrecht. He took the time to explain each step in the process, answered all my questions in a timely manner, and followed through on everything needed from start to finish. I am most grateful for his help, and for the staff at Guaranteed Rate.

Toni P.

Todd and his team made the application process as well as the closing process very easy and painless in comparison to my past experiences.

Scott & Kym

Todd made it simple and easy when another lender pulled out of the loan. Because of the rushed responses from Todd and his team, you have earned customers for life.

Angela & David

About Todd

Todd Emerson Albrecht is a VP of Mortgage Lending focused on the Denver and Colorado Springs markets but advising clients and offering home loans nationwide. As one of the companies Top Mortgage Originators in his market, his experience, his 24/7 service attitude and dedication to his clients is why the area's top realtors choose him as their trusted lender. He offers his clients industry leading mortgage rates on Jumbo, VA, USDA, FHA, Conventional and Home Equity mortgage products.

Todd Emerson Albrecht is a Native of Colorado and now is lucky enough to raise his own family there today. He takes great pride in providing his clients with the best loan programs at the lowest rates available. He has been in the mortgage industry for over two decades and during this period of time has established himself as one of the hardest working individuals in the industry. Communication is essential during a purchase or refinance, which is why each and every client will receive a daily update on their file.

Outside of the office Todd enjoys spending time with his amazing four children. In what little spare time he has, he enjoys exploring the amazing Colorado outdoors, volunteering at his church, real estate rehab/development projects, coaching youth sports, cooking and is an avid skier/snowboarder.

Todd interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for almost 20 years now. I graduated top in my class in business and architecture and wanted to combine my love for real estate and numbers and educating people. It turned out that mortgage was the perfect fit.
Who is your typical customer and what questions do they typically have?
As one of the top loan officers in the area, I see it all. My favorite type of mortgage to originate is a VA loan. VA loans are one of the very best mortgage products available and with being able to combine the 100% financing with my closing cost credits, it is truly a wonderful product to offer. It is the very least I can do to give something back to those who so valiantly served our Country.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I recently had a Director of a well-known local medical organization that was attempting to buy a home using jumbo financing. She had recently been divorced and her credit suffered as such. She started looking months ago and several around 10+ lenders she had contacted before her agent gave her my number said they could do nothing for her until she brought her credit score up to above a 700 middle score. I managed to work with her and our credit partner to not only achieve the goal but with amazing results in short order.
What can borrowers do to insure a smooth mortgage underwriting process?
The key to a smooth process is to understand that there will be a decent amount of financial documents you must provide. If you understand that they will be needed and provide those documents in a timely fashion, the process is very smooth. When a client is very disorganized or does not follow instructions of providing items like all pages of the bank statement or a clear photo ID, which are simple requests, it can lead to a more stressful process.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I really enjoy spending time with my children and coaching. Being a Dad is truly the greatest job in life. I make it a priority, which is why I am up around 4:30am each day so I can be home for dinner by 6:15pm.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am in lending as a career but feel the true reason is to educate or “my purpose driven” for life and to help others! To help those who wish to embrace all that home ownership has to offer but just don’t know how to get from A to B.

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