Todd

Todd Starr brings a creative approach to the mortgage industry. He started his mortgage career in 1993 in the Maryland-Washington D.C. market and joined Atlantic Bay in 2014, bringing experience gleaned from computer sales, managing a mortgage office and running a small business. Todd, who has helped nearly 3,000 borrowers realize their dream of owning their own home, is experienced in all types of loans and is especially well-versed in renovation loans.

Honest to a fault, Todd combines his technical knowledge and creativity to help his clients make the best decision when financing their homes. Starting the conversation with, “How can I help you,” he puts his clients in driver’s seat and lets them do all the talking. Todd says, “They tell me exactly what they are looking for.”

Speaking in simple terms, Todd explains the mortgage process to clients and dispels myths they may have heard, such as credit checks ruin your credit. He says, “Most buyers focus on the wrong thing at first — the rate. As they get deeper into the process, they realize they have many questions and need a mortgage banker to help them.” Shortly after the first conversation, Todd gives the clients a written estimate and a needs list. He says, “I tell them, ‘The earlier you provide the documentation, the smoother the entire process will be’.”

Todd Is president-elect of Tidewater Mortgage Bankers Association (TMBA), which is focused on ethics and mortgage laws. As part of his office’s community outreach, he supports the Children’s Hospital of The King’s Daughters. He also supports Edmarc Hospice for Children, whose mission is to ease the trauma of a child’s illness or death. In addition, he is active in his church’s Serve the City project, which supports various charities.