Todd Jenkins

Todd Jenkins

Sr. Mortgage Banker

NMLS #277971, Licensed in VA

My Story

From first-time homebuyers to empty-nesters, I take pride in helping my clients achieve their homeownership goals.

With 18 years of experience, Todd has helped nearly 2000 families get settled into their dream homes and has earned a reputation characterized by his responsiveness and dedication to his clients.

Todd says, “From first-time homebuyers to empty-nesters, I take pride in helping my clients achieve their homeownership goals. A mortgage can be one of the biggest financial decisions of my clients’ lives. I enjoy helping them connect all the pieces of the puzzle, navigating the detailed process for them, and taking extra care to ensure they’re comfortable and happy along the way.”

Licensed in Virginia, he focuses on Central Virginia, including Charlottesville and its surrounding areas from Augusta to Louisa. Todd is a member of Charlottesville Association of REALTORS®, Greater Augusta Association of REALTORS®, Mortgage Bankers Association, and sits on the advisory board of the Virginia Housing Development Authority. He frequently volunteers time and donates to local non-profits, and is actively involved in the sponsorship and volunteer work of various children’s charities. In his spare time, you may find him traveling with his wife, Tiffany, and keeping up with his two children, Miller and Ellie.

How Much Can I Afford?

Navigating the housing market starts with understanding your budget. Start your journey with confidence using our tailored mortgage calculator.

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Guiding You Home, Every Step of the Way

Our Process: Clear, Transparent, Simple

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1 - Pre-qualification

Pre-qualification is the first step in the mortgage application process. By evaluating your credit score, income, and assets, we identify suitable loan programs and estimate your borrowing capacity. This information is for your personal use and does not guarantee loan approval.


2 - Application

The first stage of the approval and loan application process involves the completion of a 1003 residential loan application. Once completed, our team will request items like paystubs, tax returns, W-2 forms, bank statements, and various other items needed to support the information provided on your application.


3 - Underwriting

This is the initial stage of your approval process where all the information gathered is reviewed. Our underwriters work with our processors to verify that the applicant meets all of the criteria of the loan program.

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4 - Approval

Once the underwriter finishes their review and determines your ability to meet the requirements of your loan program, you’ll receive feedback on any additional conditions needed for final approval.


5 - Processing

The processing stage is where the items provided with your loan application are verified. Our loan processors will verify employment, review bank statements and credit history, and fulfill any conditions the underwriter needs to clear the loan for closing.


6 - Closing

Once your loan package is fully processed and all conditions have been satisfied, your file is marked “clear to close.” The lender prepares your closing documents, sends all necessary disclosures, and your closing is scheduled with your attorney/settlement agent and realtor, which is typically held at the title company.

Knowing Is Half the Battle

Questions? I’m Here To Help

Homebuying can be confusing. We know. But we also know that you deserve transparency and clarity from your us. That’s the Gray Fox commitment.

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