Todd Adams Financial

Adams Financial

Trust Todd Adams with Adams Financial for all your mortgage needs!

Whether you're a first-time home buyer or a seasoned veteran, we have the loan for you. We know the market and are best equipped to find the right loan program for your new purchase, refinance, home equity line or reverse mortgage. We have the FHA, VA, Adjustable or Conventional offering for your specific needs.

With over 20 years of experience throughout the State of California and beyond, Adams Financial can help secure your loan and see that it closes on time.

Choose Adams Financial and...

Catch the Wave in Home Financing...


C. Cereghino, Encinitas

Todd Adams: 20+ years of experience in the home loan industry. Todd has refinanced my current home, and just recently secured the loan for my new home. Both experiences with Todd have been great. He has access to some of the best interest rates out there. He found the right program to allow me to keep my current home for a rental and buy a new home.

If you're looking for a trustworthy, hardworking mortgage broker who can get you a competitive interest rate and make sure your loan funds on time, then Todd's your guy. He's provided his service to others in Qualcomm as well.

Chris Cereghino

P. Johnson, Carlsbad

Real Estate is an ever changing business and having someone like Todd to work with who really knows his business adds great value to my business. When he says the loan side of a transaction will happen, I know it will. This gives me the confidence to negotiate and make deals happen for his clients.
Phil Johnson
Distinctive Properties

S. Smith, La Cañada Flintridge

I wanted to send you a quick note to thank you (Ken Chafin CPA) for referring us to Todd Adams, Adams Financial. He provided exceptional service as our Mortgage Broker. He was extremely dedicated, working weekends and holidays to answer our questions and support closing in 30 days without the use of a realtor. Todd was able to provide us with various loan options to meet our needs, as well as support locking a great rate. Additionally, we received great feedback from the escrow company (Olives Escrow) regarding Todd.

I fully support you to continue and recommend him, as well as feel free to provide our contact as a reference for him as well.

R. A. Reed, El Cajon

I have been selling Real Estate for 27 years I have used Todd Adams for the last 20 years. Todd is a true professional and his work habits set him apart from other lenders. From start to finish Todd is involved with the loan process. He works hard so you won't have to. Once the loan is in process you can work on new deals knowing Todd will get your loan closed on your transaction.
Roy A. Reed
Century 21 All Service

T. Abell, San Diego

I believe Adams Financial to be the go-to source for all your mortgage solutions.  I — as well as the many people I have referred to Adams Financial — always find Todd Adams and his staff to be responsive, consistent and dedicated to providing the mortgage strategies that reflect the best interest of their clients.
Terry Abell

Dr. J. Jurchan-Rizzo, Spring Valley

It is my pleasure to share a few thoughts about my experience working with Todd Adams over the last 13 years. From the initial purchase of my home to all refinancing opportunities, Todd’s expertise and professional competence made each experience a success. In all circumstances, he engendered trust and confidence in his ability to start, work through, and complete each process. His patience with a customer’s numerous questions and his consistent "check-ins" to be sure that everything is running smoothly are unique in these times when many businesses focus on the "numbers" and the quick turn-over of their clients.

I have also gone to Todd several times for referrals for home maintenance and repairs – all have been "winners"!

I look forward to my next opportunity to work with Todd – there is no need to "shop around".
Dr. JoAnn Jurchan

M. Lovell, Encinitas

I have been performing appraisals for Todd for over 18 years of my 26 year appraisal career. Many of his clients have worked for major regional or national lenders. Out of curiosity, I asked the borrowers why they were using Todd instead of getting an employee loan; most or all responded that the interest rate, fees and closing time were all superior to what their employer offered through their Employee Loan Programs.

Sometimes I find out that I am making an appraisal for a refinance loan with Todd, after my client used a different Loan Officer for their first loan. When I ask what happened, the clients tell me that they thought all Loan Officers were the same; and now they had to call Todd to bail them out of a bad situation.
Michael A. Lovell
Certified General Appraiser

M. Perun, San Marcos

Todd has done a couple loans for us. Todd did both a purchase and a refi for us, and we were very pleased with how knowledgeable and helpful he was. I would easily recommend him to my friends.
Matt Perun

J. Beck, Winchester

Todd, I just referred you to a coworker... I told him I didn't know what I was doing until Todd spent an hour on the phone with me answering all my questions. When my credit score was bad, Todd spent two years advising me on how to clean up my credit history.
James Beck 

J. Embree, San Diego

I have worked in the mortgage industry for 20 years. 18 of those years I have had a direct business relationship with Todd Adams. Through the years I have grown to trust and respect Todd. He is very knowledgeable, hardworking and honest. He has always taken a long term approach to the clients he serves, and is always looking to build that long term relationship. I have personally referred numerous friends and family members to Todd. I always receive positive feedback and thanks for the professional service Todd provided. I am happy to recommend Todd Adams without any reservations.
Joe Embree
Senior Account Executive
Plaza Home Mortgage, Inc. 

S. Harrison, Chula Vista

Thank you for helping us in refinancing our home. You are very honest and diligent. And you were always there when we needed you.

You have our gratitude and you're highly recommended.
Sylvester Harrison 

S. Wilburn, El Cajon

I used Todd for the purchase of my home and it was a great experience. When I decided to refinance, a friend of mine recommended his friend whose business was really slow, and it was a nightmare. I thought all lenders were the same with respect to rates and service, but I learned the hard way. I’ve since referred Todd to my mother for a reverse mortgage and her experience was awesome. All my business and referrals will be going to Todd Adams in the future.
Sean Wilburn 

J. & J. Giles, Carlsbad

We have used Todd Adams for three loans. He is the consummate professional in every aspect. He is meticulous with his feedback and he pursues the best loan for each situation. We honestly have never seen a better mortgage broker. We would highly recommend him!
John and Judy Giles 

L. Schanzer, Aptos

Todd Adams has facilitated my home refinance several times, and it is due to his knowledge and ability to navigate through the maze of bureaucracy that I am now in a position of ultimately owning my home — meaning paying it off before retirement. He is knowledgeable, detailed and integral. I would definitely work with him again and have referred my friends to him as well.
Laura Schanzer

Todd Adams Financial proudly services all of California and has done so for over 20 years.

Home Mortgage
Reverse Mortgage
Commercial Mortgage
First Time Buyer
Home Equity Loan
Home Loan Broker
Mortgage Rate Comparison
Mortgage Payments
First Mortgage
Adjustable Rate Mortgage
Loan Prequalification
Mortgage Information
Residential Mortgage
Mortgage Products
Online Mortgage Application
San Diego County
Vista, San Marcos, Escondido
Oceanside, Carlsbad, Leucadia
Encinitas, Solana Beach
Del Mar, La Jolla
Rancho Santa Fe
Coastal & Inland California
Poway & Rancho Bernardo
Loma Portal & Point Loma
National City & Imperial Beach
Fallbrook, Bonsall, Ramona
San Clemente, Dana Point, Capistrano
Temecula Valley & Rancho California
Orange County
San Francisco Bay Area
San Joaquin Valley & the Sierras
Northern California
Southern California

Copyright © 2012 Adams Financial • Todd Adams, President • All rights reserved
Adams Financial  •  5060 Shoreham Place Suite 320  •  San Diego, CA 92122

760.941.2017 • 858.273.5001 •  619.688.8326

Website designed by