Meet John Todaro
Multi-State Mortgage Expert | NMLS #1006565
Helping homebuyers, real estate agents, and investors get smarter about home loans since 2008.
Meet John Todaro
Helping homebuyers, real estate agents, and investors get smarter about home loans since 2008. | NMLS #1006565
20+ Years Experience in Mortgage
About John Todaro
Your Mortgage Advocate
John Todaro has spent his career doing one thing exceptionally well: helping people navigate one of the biggest financial decisions of their lives. As a licensed Mortgage Loan Originator (NMLS #1006565) with Barrett Financial Group, LLC, John brings years of hands-on experience in the mortgage industry to every client relationship.
Based in Phoenix, Arizona, John serves homebuyers, real estate agents, and investors across seven states: Arizona, California, Florida, Nevada, Oregon, Texas, and Washington. Whether you are purchasing your first home, refinancing to a better rate, or securing a jumbo loan for a high-value property, John's approach is always the same. Understand your situation deeply, present your options honestly, and guide you to the right decision.
What sets John apart is not just his expertise. It is his loyalty. When you work with JT, you have someone genuinely in your corner. He will fight for your rate, advocate for your timeline, and make sure you never feel like just another file on a desk.
My Mission
My mission is simple: be the mortgage expert I'd want in my corner.
I have been in this industry long enough to know that buying a home is one of the biggest decisions you will ever make. That means you deserve someone who takes it as seriously as you do. I will never push a loan that is not right for you. I will take the time to understand your situation, dig into the details, and find the option that actually fits your life and your goals. Then I will explain it clearly so you feel confident, not confused.
I am not here to close a deal and move on. I am here to build a relationship. My clients know they can pick up the phone and get a straight answer. No runaround. No guessing games. Just honest guidance from someone who genuinely cares about the outcome.
When you win, I win. That is not just something I say. It is how I have built my entire career.
"John Todaro
NMLS #1006565
How John Can Help You
FHA Loans
Low down payment solutions
VA Loans
Honoring those who served
USDA Loans
Rural & suburban homeownership
Conventional Loans
Flexible financing options
Jumbo Loans
High-value property financing ($100K+)
Mortgage Refinancing
Lower your rate or cash out
"I have been doing this long enough to have seen every market. Good, bad, and everything in between. That experience is what I bring to every single client."
Work Hard. Play Hard.
If you want to understand how John approaches his work, look at how he lives the rest of his life.
When he is not locking in great rates for clients, you will find John on two wheels. Either shredding trails on his dirt bike or carving up Oregon backroads on his Ducati. John splits his time between Phoenix and Oregon, and that versatility is no coincidence. Phoenix delivers year-round sunshine, warm water, and lake days on water skis or a wakeboard. Oregon brings the Cascade Mountains, fresh mountain air, and the legendary slopes of Mt. Bachelor when the snow is deep and perfect.
John is a die-hard Oregon Ducks fan. The kind who genuinely suffers through tough games and celebrates the wins loudly with the people he loves. Family and friends are at the center of everything he does. The people in his life know that if John Todaro is in your corner, he is all in. He treats his clients exactly the same way.
The philosophy is simple. Work Hard. Play Hard. Always have your people's back. Whether he is on a mountain, out on the lake, or on a client call, that is who JT is.
On the weekends you will find JT...
Free CE Classes for Arizona Realtors
John hosts free ADRE-accredited Continuing Education classes for Arizona real estate agents — 3 hours per class, no cost, fully accredited.
Register for a ClassWhere John Is Licensed
Ready to Work with Someone Who Has Your Back?
John Todaro is not the kind of lender who disappears after the paperwork is signed. He is the kind you call when you have questions, when the market shifts, or when you are ready to make your next move. Straightforward. Experienced. Loyal.
Let's find the right loan for you.