How a First-Time Homebuyer Became a Mortgage Expert (By Accident)

In this clip, Todd shares his origin story in the mortgage business. From buying his first home in his early twenties to making a complete career pivot with no training, no clients, and no roadmap. Starting just weeks before 9/11, Todd explains how he learned mortgages by doing. Pulling a random loan file from a drawer and teaching himself how the process actually worked.

If you’re a first-time homebuyer, work in the industry, or just someone curious about how mortgages really work, this clip offers a behind-the-scenes look at how real mortgage expertise is built.

00:00 My Unexpected Career Shift

00:55 A Life-Changing Opportunity: Entering the Mortgage Business

01:38 Starting from Scratch: My Early Days in Lending

03:22 Why I started

09:32 My First Escrow