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Mortgage Loans Pagosa Springs Colorado - Mortgage Loans Colorado - Mortgage Loans USA - All Source Lending

Todd Rubick, Mortgage Loan Officer, Lendem Financial | Mortgage Loans Colorado | Mortgage Loans USA

Todd T. Rubick Bio:

Mr. Rubick has over 16 years experience iin the financial services industry with a decade of those years experiencing the growth from 1997 through the crash of 2008. Instead of avoiding the crash, he worked in in Orange County California as an wholesale account executive for a nationwide Sub Prime Bank during the build up and crash of 2007 - 2008. This gave him a great vantage point into the good and the bad, and was watching it all happen live. After the crash, he began his own web design and search engine optimization business helping large companies like Sears and small local businesses earn rankings on Google, Yahoo and Bing to help with their marketing efforts.

He has a Finance Degree from National University and has been a Loan Officer, Processor, Net Branch Manager, Wholesale Account Executive on the loan side along with working at Gateway Computers to learn the nuts and bolts of the computer side. Now living in the Rocky Mountains 10 years after the crash, having the dream to get back into the Mortgage Industry and helping local real estate brokers in Colorado rank on the first page of Google for their local searches. Its coming true, down to receiving his laptop and new phone on from Lendem Financial on his Birthday! (4-6-2017)

4-6-2021 - Update - Todd is Licensed in Colorado and is building the dream that started 22 years ago with USAHomeSearch.com and All Source Lending. If you need a loan in any states on my sites besides Colorado, I will be forwarding your info, app, voicemail to James Pryor who is licensed with Thompson Kane, in states such as Wisconsin, Missouri, Nebraska, Iowa, Illinois, Tennessee, South Dakota, Texas and more. I will be forwarding the applications, quote requests, voicemails and emails to James until Lendem Financial and myself are licensed in all of the states that I have build Home Search Mortgage Local Realtor Live Accurate Real Estate Listings vs Currated and often Outdated or without access to the local MLS feed sites.

Its a lot of work, but I am doing the leg work to make it easy to search for a home, find a great realtor, get pre approved for Homes For Sale. Then use Mountain Home Real Estate Search to find Home you always wanted along with Full Service Out of the Box Service or fully digitally secure access to the best rates and programs on the market.

Uploaded 4-6-2021 - Its a long story.... The sites are a work in progress, so please excuse the dust until its fully complete.

Previous Experience

  • Managing Owner - RSTESOT, LLC. - 2007 – Present
    SEO, Web Design, Local Internet Marketing Ads, SEO, Directories,
    Online Classified ads, Hosting, Search Engine Submission, Youtube,
    Facebook, Linked in, Yext, Merchant Circle, IBP, Web CEO, organic
    Google, Yahoo and Bing Web Site Design, SEO Managment, Advertising

  • Search Engine Optimization - Direct Design Now - 2008 – 2009
    Web Design, SEO, Internet Marketing, Sales, Strategic Consulting, R and D

  • Wholesale Account Executive - Homeview Lending, Novastar Inc. 2007-2008
    Sub Prime Banking Inside National Account Executive, Program Expert,
    Sales Training, Email Marketing, Direct Mail Marketing, Broker, LO Training

  • President - Net Branch Manager - All Source Enterprises, Inc. 2003 – 2007
    Residential A, Alt A, Alt B, C, D, Hard Money, 2nds & Commercial
    Net branch office, Sales Management, NA Nationwide Mortgage National Lender
    Built a perfect loan process to deliver excellent customer service

  • Senior Loan Officer - Crestline Funding Corporation - 2002 – 2003
    Residential A, Alt A, Alt B, C, D, Hard Money, 2nds, Sub-Prime,
    Automated Underwriting Clues, Indymac, Fannie, Freddie Tools Trainer

  • Asst. Manager & Sales Account Executive - Gateway Computers, Inc. 2000 – 2002
    Awarded MVP of Business Direct Lake Forest Divisio, Sales Leaders Summit Member
    Server and Hardware Training, Software and Network Services

  • President - The Millenium Team, Inc. - All Source Lending - 1999 – 2000
    The Millennium Team, Inc. - All Source Lending, direct mail, customer
    relationship marketing, all loan types originated, banked or brokered

  • Branch Manager, Senior Loan Officer - Mortgage One, Inc. 1997 – 1999
    Residential A, Alt A, Alt B, C, D, Hard Money and 2nds. Past client,
    Data Driven Direct Mail Marketing, telemarketing, and the web

  • Operations Accountant - Bidwell & Company 1994 – 1997
    Daily & Monthly Financial Analysis & Forecasts
    Streamlined employee stock option procedures
    Vendor Contract analysis and A/P

  • General Manager & Loan Officer - Mesa Corporation - 1991 – 1994
    Accounts Receivable Factoring, Sales, Marketing, Business Analysis
  • Education

  • Colorado - NMLS Mortgage Licensce 2021

  • California Real Estate License - 2001 – 2004
    Dept of Real Estate DRE and Dept of Fianance Lending

  • National University - 1991 – 1994
    Business, BBA, Cum Laude, Finance
    Business Finance - Journalism - Real Estate Studies
    Activities and Societies: Entrepreneurship, Fianance

  • San Diego State University - 1990 – 1994
    Bachelors Business - Finance, Business, Journalism,
    Creative Writing, Finance, Journalism - Business Major
  • Skills

  • 1997 - 2008 Pre Crash Mortgage Wholesale Account Executive,
    Loan Officer, Net Branch Management, Internet Marketing,
    2009 - 2017 Search Engine Optimization, SEO, Copywriting,
    Local Organic, Maps and PPC, Website Audits, Marketing,
    Online Advertising, Finance, Accounting, Journalism,
    Facebook, Youtube, Video Blogging, Sales
  • Specialties

  • • Banking, Finance, Mortgage, Retail Sales, Web Design,
    Search Engine Optimization, Marketing, Organic Advertising,
    Customer Relationship Management, Database Creation, Web Master,
    Digital photography, Marketing YouTube Commercial Videos, Email
    Marketing, Financial Consulting, Graphic Design, Social Media
  • Start Your New Home Loan

    Todd Rubick Colorado Mortgage Loans

    Todd Rubick
    Loan Officer
    NMLS #162221

    (970) 445-4977

    Website Contact

    Mortgage Loan Rocky Mountains CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Get your Rocky Mountain Home Mortgage Started! Open House LF Pre Approval Home Loan! Get Pre Approved for your loan before you go to the next Open House. Let LF give you a Pre Approval for Your New Home Loan! Whether your dream home is in the cities, mountains or plains, we can find the right loan to fit your property....Read More


    Mortgage Windsor CO

    Mortgage Loans Windsor CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - Life is too short to not buy your "Happy Place" in Windsor Colorado? Maybe a VBRO, Luxury Home at a Ski Resort, Off the Grid Mountain Home, Log Cabin, Hunting Lodge, Ranch, Townhome, Condo or Ranch at the bottom of a Mountain next to a Hot Springs? If you have been searching on sites like Zillow, Trulia and Realtor.com sites to get an idea of whats on the market, know the local realtors have the best access and the big sites curate (collect - compile - not MLS Direct) listings which are often are out of date or already sold. Search Local accurate Windsor Colorado Real Estate Listings before you go to the next open house … Contact a LF Loan Officers and skip the non personal service from the Too Big Too Fail Banks.LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Windsor Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Real Estate Loan Wheat Ridge CO

    Mortgage Loans Wheat Ridge CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | LF offers conventional bank programs, Heloc's, Jumbos and Non QM Out of the Box Creative Real Estate financing programs available in Colorado! Cash Out from your Colorado Refinance Mortgage - Skip the Bank - LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Wheat Ridge Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Mortgage Westminster CO

    Mortgage Loans Westminster CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Search Local accurate Westminster Colorado Real Estate Listings before you go to the next open house … Contact a LF Loan Officers and skip the non personal service from the Too Big Too Fail Banks. Cash Out from your Colorado Refinance Mortgage - Skip the Bank - LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Westminster Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Mortgage Wellington CO

    Mortgage Loans Wellington CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Wellington Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Real Estate Loan Vail Colorado

    Mortgage Loans Vail CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Buy that Dream Ski Condo - Life is too short to not buy your "Happy Place" in Vail Colorado? Maybe a VBRO, Luxury Home at a Ski Resort, Off the Grid Mountain Home, Log Cabin, Hunting Lodge, Ranch, Townhome, Condo or Ranch at the bottom of a Mountain next to a Hot Springs? If you have been searching on sites like Zillow, Trulia and Realtor.com sites to get an idea of whats on the market, know the local realtors have the best access and the big sites curate (collect - compile - not MLS Direct) listings which are often are out of date or already sold. Learn more: Getting Preapproved | Get a Quote | Pre-Qualify | First Time Home Buyers...Read More


    Real Estate Loan Twin Lakes CO

    Mortgage Loans Twin Lakes CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - Getting a Pre-Approval is a must. Your Loan Officer will gather some basic information to determine how much you can borrow, help you find the best program options for you and your unique goals, such as a 30 Year Fixed Rate, Adjustable Rate, VA Loan Zero Down, USDA Loans Zero Down or FHA Loans 3.5% Down and an estimate of your monthly payment. LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Twin Lakes Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Mortgage Trinidad CO

    Mortgage Loans Trinidad CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Trinidad Colorado with LF Real Estate Financing AND negotiate with power! Once Lendem Financial and Todd Rubick determines you are eligible, they will email you a Pre-Approval Letter. This letter gives you negotiating power which is very important is this very fast moving real estate market. It proves to the seller that you are a serious, qualified buyer who can act fast....Read More


    Real Estate Loan Timnath CO

    Mortgage Loans Timnath CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - Contact a LF Loan Officers and skip the non personal service from the Too Big Too Fail Banks. We have great rates and terms on our FHA, VA, Jumbo, Non Resident Alien, Bank Statement, Non QM Creative Financing Solutions. LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Timnath Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Mortgage Thornton CO

    Mortgage Loans Thornton CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Search Local accurate Thornton Colorado Real Estate Listings before you go to the next open house … Contact a LF Loan Officers and skip the non personal service from the Too Big Too Fail Banks. Cash Out from your Colorado Refinance Mortgage - Skip the Bank - LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Thornton Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Real Estate Loan Telluride CO

    Mortgage Loans Telluride CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - Search Local accurate Telluride Colorado Real Estate Listings before you go to the next open house … Contact a LF Loan Officers and skip the non personal service from the Too Big Too Fail Banks. If you want to calculate your mortgage payments and compare loan program details, click to use our full suite of Mortgage Calculator Tools. | Fill out a pre qualification and search homes for sale near Telluride CO. LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Telluride Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Mortgage Superior CO

    Mortgage Loans Superior CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Skip the Bank - Search Local accurate Superior Colorado Real Estate Listings before you go to the next open house … Contact a LF Loan Officers and skip the non personal service from the Too Big Too Fail Banks. LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Superior Colorado with LF Real Estate Financing AND negotiate with power!...Read More


    Real Estate Loan Strasburg Colorado

    Mortgage Loans Strasburg CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Cash Out from your Colorado Refinance Mortgage - Get Pre Approved for your loan before you go to the next Open House. Let us Help you get a LF Pre Approval for Your New Home Loan! Whether your dream home is in the cities, mountains or plains LF offers conventional bank and non qualified "out of the box" loan programs for credit, income and equity reasons. Additionallly instead of offering just the normal bank programs, VA, USDA, FHA, Heloc's, Jumbos, Non Resident Aliens, Investor Cash Flow Properties Creative Real Estate financing programs available in Colorado! Skip the Bank - LF offers USDA, FHA, HARP, VA, ARM's and Bank Products and Out of the Box Programs. Apply to Get Pre Approved for the Homes for Sale in Strasburg Colorado with LF Real Estate Financing AND negotiate with power!...Read More