Your   homeownership journey starts here

The mortgage process simplified.
Fast approvals, local experts, trusted results.

Beautiful modern craftsman house with landscaped front yard and double garage.
A stunning modern craftsman-style house featuring a landscaped front yard, large windows, and a spacious double garage.

NMLS: #1521026

Victoria Todd

Mortgage Advisor

Awards

(4)

Top 10 in retail at previous employers

Two time time President Club winner

Scotsman's Guide Top Originator

Dmag Best and Top Producer

For the past decade, I’ve helped homebuyers navigate one of the biggest financial decisions they’ll ever make, but my career in finance began long before mortgage lending.

Before entering the mortgage industry, I built underwriting and risk management functions for financial startups, working closely with business owners. That experience gave me a deep understanding of how lenders evaluate risk and structure financing, allowing me to guide clients through even the most complex lending scenarios with confidence and clarity.

I enjoy working with first-time homebuyers, entrepreneurs, and anyone who wants to understand the “why” behind their financing decisions. I believe informed clients make better long-term decisions because every mortgage decision creates a ripple effect, influencing future opportunities, financial flexibility, and wealth for years to come. My approach is built on clear communication, proactive guidance, and respect for my clients’ time. Buying a home is busy enough. My goal is to make the financing process organized, efficient, and as stress-free as possible.

What motivates me most is knowing that homeownership has the power to change a family’s financial future. Growing up, I watched my own parents dream of owning a home but never had the opportunity. That experience shaped my appreciation for what homeownership represents, not just as a place to live, but as one of the most powerful tools for building long-term wealth.

Outside of work, you’ll usually find me traveling with my partner, trying new restaurants around Dallas, spending time with our dog, Moxie, working out, or tackling another home project.

Licensed in:

Texas

Specialties:

First-time Homebuyer

Self-employed Borrowers

Asset Utilization

Jumbo Loans

Non-QM Loans

Lending Specialties

First-time Homebuyer

Self-employed Borrowers

Asset Utilization

Jumbo Loans

Non-QM Loans

Victoria Todd's
Awards and Recognition

Top 10 in retail at previous employers

Two time time President Club winner

Scotsman's Guide Top Originator

Dmag Best and Top Producer

Why work with me?

1,000+

Families helped

21 Days

Average close time

10 years in mortgage & a total of 20 years in finance years

Of experience

Real clients. Real results.

Karen and her team were so helpful throughout the whole process. Always quick to respond and very trustworthy

Brian R

Our Website

Julia was simply wonderful.

Zachary J

Our Website

Andrew was awesome! He answered all of our newbie questions with patience and was proactive in answering things we did not know to ask!

Lacey O

Our Website

Great people easy to work with

Jeremy

Our Website

We would have been lost w/o Tanya and the guidance from her associates! Everything explained, researched and referenced clearly, weekly phone updates, and more. Always a very quick response to any questions. We HIGHLY recommend Tanya and her staff!

Jennifer H

Our Website

Thank God 😊

Kirstie

Our Website

⭐⭐⭐⭐⭐ Exceptional Experience for First-Time Homebuyers! As first-time homebuyers, my wife and I were incredibly anxious about navigating the market, but Rich Honquest and the team at Honquest Mortgage made the entire process seamless. There are three major reasons why I highly recommend them: Outstanding Realtor Collaboration: In an incredibly competitive market, Rich worked hand-in-hand with our realtor to ensure we had a highly competitive, rock-solid offer on paper. This seamless integration was the exact edge we needed to win the home we desired. Empathetic Education: He took the time to break down complex financial terms and walked us step-by-step through the process, making us feel confident and educated rather than overwhelmed. Agile Rate Management: In a highly volatile macro environment where interest rates were changing rapidly by the hour, Rich watched the market like a hawk to secure the absolute best possible rates for us. If you want a lender who is proactive, highly communicative, and truly has your back, look no further than Rich Honquest!

Mitch C

Google

Rob really took care of us and made sure he answered every question we had. I couldn't imagine buying a house without his help

Michael M

Our Website

Alessandro and Jill made me feel comfortable and secure with my entire home loan experience. He explained everything that I didn’t fully understand throughout the loan process. I would definitely recommend him to anyone buying or refinancing a home!

Francisco A

Google

Loan Programs

Spacious living room with comfortable seating, large windows, and stylish decor.
A bright, inviting living room featuring a blue sofa, wooden chairs, and a fireplace with logs, perfect for relaxing or entertaining.
DSCR Loans (Investment Loans)

Featured

Beautiful modern craftsman-style house with a landscaped front yard and garage.
A stunning craftsman-style home featuring a welcoming porch, modern design, and the 1% Home Loan Program.
1% Home Loan Program

Featured

Man using smartphone at home, exploring conventional loan options.
Man reviewing mortgage options on his phone in a cozy living room setting.
Conventional Loans

Featured

Comfortable living room featuring a fireplace, wall-mounted TV, and stylish decor for a welcoming ho.
A welcoming living room with a fireplace, wall-mounted TV, and elegant decor, ideal for relaxing and entertaining in a cozy home setting.
Down Payment Assistance (DPA)

Featured

Refinance Loan
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Supporting veterans and families with VA home loan options and resources.
VA Loans
USDA loan approval process for rural home financing.
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USDA Loans
FHA loan approval process with Preferred Rate for homebuyers.
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FHA Loans
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Charming blue home surrounded by lush greenery, perfect for those seeking low down payment loan solutions.
Low Down Payment Loans
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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.
HELOC Loans
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A smiling couple during a home renovation project, standing on stairs with construction supplies around them.
Home Renovation
Luxury home with a spacious driveway and well-maintained landscaping for jumbo loan financing.
Explore jumbo loan options for financing high-value homes like this beautiful property.
Jumbo Loans
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Comfortable man working on a laptop at home, highlighting flexible bank statement loan options for homebuyers.
Bank Statement Loans
Construction financing solutions for building your dream home or project. Expert guidance for seamle.
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Construction Financing
Beautiful manufactured home with a welcoming porch and landscaped yard.
A charming manufactured home featuring a spacious porch and lush landscaping, ideal for comfortable living.
Manufactured Home Loans
Colorful Victorian-style condominiums with detailed architecture and lush greenery.
Beautiful Victorian-style condominiums with intricate details and vibrant colors, perfect for condominium loan options.
Condominium Loans
Healthcare professional loan options for doctors and medical staff. Secure funding to grow your medi.
Image of a smiling doctor holding a clipboard in a medical office setting. Perfect for promoting medical professional loan services.
Medical Professional Loans
Nurse smiling with tablet, promoting first responder loan programs.
A nurse smiling while holding a tablet, highlighting loan options for first responders, teachers, and nurses.
First Responders | Nurses | Teacher Loans
Affordable community lending options for homebuyers.
Aerial view of a new residential property in a friendly neighborhood.
Community Lending
Buydown mortgage rates with temporary payment reductions.
Learn how temporary buydowns can lower your mortgage payments during the initial years of homeownership.
Temporary Buydowns
Modern two-story house with garage, ideal for bridge loan financing.
A contemporary two-story home with a spacious garage, perfect for real estate bridge loans and investment opportunities.
Bridge Loans
Expanded Income Loans for Home Improvements.
Modern house with landscaped yard and garden.
Expanded Income Loans
Loan options for international clients seeking financial solutions.
A smiling woman using a tablet near a window, representing accessible loan services for foreign nationals.
Loans for Foreign Nationals
Home loan options for quick approval and competitive rates.
Simplify your home buying process with Preferred Rate's SmartBuy program.
Click n’ Close SmartBuy National DPA
Expanded Credit Loans living room with modern furniture and cozy decor.
Comfortable living room featuring yellow armchairs, a fireplace, and a flat-screen TV, ideal for home improvement financing options.
Expanded Credit Loans
Senior couple exploring reverse mortgage options on laptop.
Elderly couple discussing reverse mortgage benefits using a laptop at home.
Reverse Mortgages
Seller PreLock Program for homeowners to secure home sale options.
A woman reviews her home sale options on a tablet in a bright, modern kitchen, highlighting the Seller PreLock Program benefits.
Seller PreLock Program
Preferred Rate Pathway DPA Program interior design.
Spacious living room with contemporary furniture and a sleek kitchen setup.
Pathway DPA Program
Rhyze HELOC
Secure lock program for home safety and security.
Beautiful blue house featuring a secure lock program for enhanced home safety.
Secure Lock Program

Refinance With Purpose

Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.

Consolidate Debt

Simplify what you owe. Use your home’s equity to combine high-interest debt into one  payment.

Lower Payments

Improve monthly cash flow. Even a small rate adjustment can create  savings over time.

Get Cash Out

Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.

Change to Fixed Rate

Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.

Refinance VA Loan

Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.

Discover your home’s value instantly.

Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property and mortgage loan.

Home loan approval process with competitive rates at Preferred Rate. Secure your mortgage today with.
Beautiful suburban house at sunset, showcasing a cozy home with a well-maintained lawn and welcoming entrance.
Preferred Rate logo with financial graph and rate drop notification.
A logo for Preferred Rate featuring a financial graph and a notification about interest rate drops.

We'll watch the market for you

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

Mortgage Loan Calculator

Estimate your monthly payment in seconds.

$400,000

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

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next step?

Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.

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  • Easy process