A few months ago I entered a big bank and asked if I was ready with my credit score and financials to start looking for a home. To make a long story short everything was fine until I ended up in a contact for a property. Things fell through with the big bank and I found myself in a complete panic, under contract! I had no idea how to proceed. I had heard good things about Angie's list, I signed up and found Todd Kono with Value Mortgage. I started reading the reviews for him and the more I read the more I became convinced that he would be the person to solve this. One guy said that he never writes reviews but he was writing one for Todd, ( that's me ). Another said that they were in their new house and Todd had made it happen. I want to thank the people who wrote those reviews. They were spot on! Todd was amazing! I am moving into my new home next week thanks to Todd! Within an hour after sending him an email outlining my situation he responded. I filled out an application and by the next day Todd had a plan. His plan involved some things that were easy for me to do and some things that were tough. I stuck with it and was constantly amazed at how Todd stuck with it as well. He explained to me that part of the problem that I had with the bank was because I was one of thousands of applicants. A bank doesn't have the time to spend on applications that are not cut and dried. They want easy approvals, and mine was challenging. Todd never made me feel like I was an imposition, he answered all of my emails and calls immediately. I know he must have spent hours on this. I honestly feel that he should have been paid more than his commission for all the time and work he put in. However, I did get the feeling that Todd enjoyed the challenge. There were bumps in the road for sure but he stuck with me and the house closed only one week later than the original closing date. Thank you Todd Kono with Value Mortgage! You have made it possible for me to own my first home and you have given me quite an education as well. If I could do anything differently, it would have been to contact Todd a year ago to get the advice and support I needed before jumping into the home buying process. I will be referring everyone I know whose even thinking about purchasing a home! read more

Todd is a brokers broker. Literally. I am a veteran mortgage broker in Eugene with Chinook Mortgage and couldn't find the price/service here in town to get some fairly complicated refi's of my own done. I asked a couple of my regular lenders for a referral and one recommended Todd. I try to give great personal service and it's super important to me that we get the same when we need a service provider of any type. Todd was that guy. He didn't even blink when I went over all the twists and turns of our scenario. He was knowledgeable and extremely quick and responsive. Almost to a fault...had to tell him to go on home a couple of times when he was still shooting me emails at 9:00 p.m. :) Since I'm a sole licensee I can't do my own loans anymore so I was reluctant to take a complex deal to a new person. We ended up doing 5 refi's w/Todd and they were smoother than I could have hoped for. It's not often I'm impressed enough to write a review but I promised myself I would tell the world what a great job he did for us. Thanks Todd for the dynamite service! read more

BEST. BROKER. EVER! If you are looking to buy a home or refinance, Todd is your guy. We were introduced to Todd by a friend who has used him before. Upon our first conversation with Todd, we immediately knew he was going to be great! After a long search, we found our dream property. Todd worked quick to provide us with our pre-approval letter and everything else that followed. If we had questions, he was quick to respond and very knowledgeable. This has been the easiest and quickest process ever. We have bought and sold homes in the past and it has taken a minimum of 45 days to close (not to mention, very taxing). With Todd, everything flowed effortlessly and he helped us close in 20 days! We can't say enough positive things about him. We are so grateful to have worked with Todd and will only use him in the future. Our real estate agent was impressed by him as well. We HIGHLY recommend Todd with Value Mortgage. I don't usually take the time to write reviews; however, after our experience with Todd, I would shout it from the rooftops! :) read more

It might seem like I am rating Todd and Value Mortgage too high, but it is well deserved. My wife and I originally tried another local mortgage company (who shall go unnamed) and they were painfully slow, wanted to charge us higher origination fees, and had a worse loan lined up for us. The worst part is that they wasted 3 months of our time. Fast-forward to Todd Kono. This guy communicates excellently. Answering emails quickly, taking calls on off hours and weekends sometimes! He really blew me away with his solid work ethic. He gave me advice about removing an erroneous judgment from my credit report, was helpful with the appraisal process, and pretty much walked us through the entire mortgage process. He did all of this in a matter of a few weeks, not months. Awesome. My next property - I'd call him again. read more

Todd Kono has been fantastic to work with. His style is efficient, hard-working, and no-nonsense. He was always clear with me about mortgage rates, costs, and processing requirements. Todd is able to simplify the process of obtaining a mortgage by distilling the process down to the essential steps. Todd and his processor are really on top of the paperwork necessary to get to mortgage approval and funding. I felt like Todd was always streamlining the process for me, to the largest extent possible. He really serves the customer by tackling head-on the administrative steps needed for lender approval, even in complex situations where the lender requests a large volume of documentation. read more

Todd was great to work with. I went thru him for my home loan after my original lender fell thru and I'm so glad I did. He was on top of my loan thru the entire process. He worked on my loan extended hours and was available day and night. He was able to close in less than 3 weeks' time, and that was a tall order for my circumstances. He was very responsive thru both phone calls and email. Todd is very knowledgeable on the entire home loan process, which really put me at ease. I really felt that my loan was the priority while working with Todd, which is something you don't see with the big name lenders. I highly recommend Todd to anyone who is looking for a home loan. read more

When I first began the homebuying process (first-timer here), I went to my bank. That's what you're supposed to do, right? What I got back was one thing, black-and-white, and almost sterile. I wasn't comfortable. Todd Kono has a great rep with area brokers and mind suggested I get in touch with him. I did. What I got in return was pleasant, knowledgeable service from someone who sought to learn a bit about my circumstances and in the end comparisons between different loan types. While the process wasn't without hiccups, I felt comfortable with Todd doing his thing to make it all come together. Highly recommend Value Mortgage and Todd Kono. :) read more

Todd Helped me get a VA loan. I had my Certificate Of Eligibility for quite a while but had not used it. I was not really even sure how to use it or know if I even qualified for anything. You explained to me that by doing an application and turning in my income and asset documents that I would find out what I qualified for. In doing so I had talked to my mom and she wanted to sell me her house. You helped me with me with the whole process. It was easy and very quick. Before I knew it my girlfriend (and dogs) and I were in the home I grew up in. I'm glad I got to keep the home in the family. Thanks Todd for all the hard work! read more

Todd is an amazing mortgage broker. He is honest, transparent, and truly cares about his clients. Todd was very responsive to our emails and phone calls. We had a lot of questions as first time home buyers and he took the time to explain things to us. He went above and beyond with the entire mortgage lending process, especially because we had no prior experience with this. Todd was quick with sending us the needed documents and he was very communicative with the entire team. Todd made our home buying process seamless. We highly recommend him as a mortgage broker! read more

Todd Kono at Value Mortgage was great. He helped my wife and I purchase our first home. We were very weary about the home buying process but Todd Kono was there when we needed him. He worked tirelessly to get us the best rate and was always there when we had questions. There were times when our real estate agent would drag in getting paperwork in and Todd was on point to make sure things were submitted on time. When he gave us a date of closing, he made sure it happened, which alleviated our stress in the moving process into our new home. read more

I am very thankful for Value Mortgage. They helped me purchase my first home. My loan had a few barriers to overcome but that didn't stop Todd from closing my loan in a timely manner. Todd is extremely educated on the loan process. Which was helpful as a first-time home buyer. Todd & his loan processor Elodee were the dynamic duo in communicating effectively and quickly. I had a response within an hour despite it being the weekend or evenings. Thank you both for making my loan happen! read more

Todd, with Value Mortgage Inc. is the best. He's honest and trustworthy. As a first time home buyer buying a home is very scary and Todd walks you through the mounds of paperwork so when you go to close you know exactly what you're signing. There are no surprises. If you're wanting to buy a home and want to pre-qualify he will tell you what you need to do so that process will be painless. read more

Todd at Value Mortgage has been a trusted partner of mine for over eight years and the first person I call when buying a new home or refinancing. After analyzing multiple options, he always makes a worthwhile recommendation with my best interests in mind. He moves swiftly with urgency which I always appreciate. I would highly recommend Todd at Value Mortgage for your mortgage needs. read more

Todd has helped me with two mortgages so far. He was recommended to me by one of the largest realtors in my area. Very knowledgeable and seems to work 24/7. I've replied to emails at 9pm. He gets the job done and is a very likable guy. I plan on using his services in the future, and recommend him highly. read more

Todd provided us with a hassle free, quick and painless refi. He is very knowledgeable, efficient and professional. He is quick to reply and gets the job done. I would highly recommend him and will definitely use him for any future refi's. read more