Sr. Mortgage Advisor

Todd Michael Helmick

Sr. Mortgage Advisor NMLS# 228184 Licensed in AL, FL, IL, IN, WI

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5.0
(43 reviews)
(847) 961-0376 todd.helmick@preferredrate.com

1801 S. Meyers Rd. Suite 500
Oakbrook Terrace, IL 60181
Branch License #1962205

About Todd Michael Helmick

Your mortgage is personal, and I understand that.

Accomplished mortgage banking professional with comprehensive accomplishments leading loans for home buying, refinancing and a passion for helping home buyers, owners, and builders learn more about loan options.

Known as an innovative thinker with strong residential, FHA, VA and renovation mortgage acumen.

Skilled at educating my customers about construction and renovation financing, home buying and refinancing solutions, as well as jumbo mortgages.

Highly organized, creative problem solver who excels at guiding home buyers through complicated applications.
Accomplished mortgage banking professional with comprehensive accomplishments leading loans for home buying, refinancing and a passion for helping home buyers, owners, and builders learn more about loan options.

Known as an innovative thinker with strong residential, FHA, VA and renovation mortgage acumen.

Skilled at educating my customers about construction and renovation financing, home buying and refinancing solutions, as well as jumbo mortgages.

Highly organized, creative problem solver who excels at guiding home buyers through complicated applications.

See my reviews
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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Todd's clients have to say

Melissa L

Working with Todd was a great experience from our very first phone call. He walked me through the entire process, asked a lot of questions to understand my situation, and I felt very comfortable trusting him with my refi. He is very responsive, knowledgable, and has great communication skills. Also, he is extremely enthusiastic and personable, which made it easy for me to reach out with questions. I would absolutely recommend him to anyone I know. ... Read More

Jan 06, 2022

Sunny ,

Working with Todd was such a delight ,very helpful, knowledgeable and he makes sure he is there for you. I'd recommend Todd Helmick in a heartbeat. Thank you Todd for your patience and all around help without you my dreams wouldn't 'of came true thank you for everything!! Todd is the man😊 ... Read More

Dec 15, 2021

Ansel R

Excellent personal service with an eye for detail and the ability to get us the most out of our home mortgage. Todd helmick and his team were able to save us hundreds of dollars a month and guide us through the complicated refinancing process three times now. We will use him again. ... Read More

Dec 09, 2021

Ansel R

Excellent personal service with an eye for detail and the ability to get us the most out of our home mortgage. Todd helmick and his team were able to save us hundreds of dollars a month and guide us through the complicated refinancing process twice now. We will use him again. ... Read More

Dec 09, 2021

Barbara B

Todd and entire team were knowledgeable, efficient and courteous. Would work with them again. I had many personal items ongoing so trust was a great factor.

Dec 08, 2021

Caryn I

Todd was very thorough every step of the way with our refinance. Friendly and incredible knowledgeable. Highly recommend him!

Sep 18, 2021

Kimberly R

Todd and his team worked hard to get my refinance completed. Very pleased.

Sep 14, 2021

Sandra K

Todd and his Team wired with us to secure a mortgage for my daughter. We could not be more thrilled with the process Todd took us thru !!Step by step they were so pleasant and professional!!! Thank you so much!!

Sep 14, 2021

Eric T

It was the most life changing amazing journey for me my husband and my 7 year old son and when I told you this man take us through all the cracks and curb I mean my loan officer John Todd and the entire team I can’t tell you how much I appreciate them . Thank you for your kindness and patience that you showed towards us we appreciate everything and all you do .I’m recommending to everyone who will listen to me ... Read More

Sep 02, 2021

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”