Toni S. Bullard
Sr. Mortgage Advisor NMLS# 507161 Licensed in CA
1255 Treat Blvd., Suite 300, Office 314
Walnut Creek, CA 94597
Branch License #2119917
About Toni S. Bullard
Your mortgage is personal, and I understand that.
I have been a Mortgage Advisor for over 25 years. My passion is helping families find the home that is PERFECT for them, whether I am working with first-time home buyers, families that want to upgrade to their 2nd or 3rd home, or downsize to a smaller home after the kids leave home. I take the time to really connect with my buyers and by the end of the process, we are family.
It’s not about the loans we do; it is about the hearts we change and the people we help. I have been a Mortgage Advisor for over 25 years. My passion is helping families find the home that is PERFECT for them, whether I am working with first-time home buyers, families that want to upgrade to their 2nd or 3rd home, or downsize to a smaller home after the kids leave home. I take the time to really connect with my buyers and by the end of the process, we are family.
It’s not about the loans we do; it is about the hearts we change and the people we help.

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.
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Step 1 Connect with a Loan Expert
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Step 2 Get Pre-Approved
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Step 3 Make Offers
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Step 4 Lock in your Preferred Rate
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Step 5 Move in to your new home
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Step 1 Connect with a Loan Expert
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Step 2 Lock in your Preferred Rate
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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
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Fixed-rate Mortgages
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Adjustable-rate Mortgages
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Interest-only Loans
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Jumbo Loans
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FHA
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VA Loans
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USDA Loans
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Reverse Mortgages
Speciality Products
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Keys On Time Program
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Secure Lock Program
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Jumbo Investor Loan Programs
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Peak Loan Program
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High Balance Solutions
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Jumbo Solutions
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Home Ready
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Home Possible Advantage
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STaR Program for First-Responders
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Doctor Program for Medical Professionals
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Manufactured Housing Loans