Mortgage Loans Pagosa Springs Colorado
Mortgage Loans Colorado - Mortgage Loans USA

Todd Rubick - Mortgage Loan Officer
Lendem Financial - Colorado Home Loans

Mr. Rubick has over 16 years experience iin the financial services industry with a decade of those years experiencing the growth from 1997 through the crash of 2008. Instead of avoiding the crash, he worked in in Orange County California as an wholesale account executive for a nationwide Sub Prime Bank during the build up and crash of 2007 - 2008. This gave him a great vantage point into the good and the bad, and was watching it all happen live. After the crash, he began his own web design and search engine optimization business helping large companies like Sears and small local businesses earn rankings on Google, Yahoo and Bing to help with their marketing efforts.

He has a Finance Degree from National University and has been a Loan Officer, Processor, Net Branch Manager, Wholesale Account Executive on the loan side along with working at Gateway Computers to learn the nuts and bolts of the computer side. Now living in the Rocky Mountains 10 years after the crash, having the dream to get back into the Mortgage Industry and helping local real estate brokers in Colorado rank on the first page of Google for their local searches. Its coming true, down to receiving his laptop and new phone on from Lendem Financial on his Birthday! (4-6-2017)

4-6-2021 - Update - Todd is Licensed in Colorado and is building the dream that started 22 years ago with USAHomeSearch.com and All Source Lending. If you need a loan in any states on my sites besides Colorado, I will be forwarding your info, app, voicemail to James Pryor who is licensed with Thompson Kane, in states such as Wisconsin, Missouri, Nebraska, Iowa, Illinois, Tennessee, South Dakota, Texas and more. I will be forwarding the applications, quote requests, voicemails and emails to James until Lendem Financial and myself are licensed in all of the states that I have build Home Search Mortgage Local Realtor Live Accurate Real Estate Listings vs Currated and often Outdated or without access to the local MLS feed sites.

Its a lot of work, but I am doing the leg work to make it easy to search for a home, find a great realtor, get pre approved for Homes For Sale. Then use Mountain Home Real Estate Search to find Home you always wanted along with Full Service Out of the Box Service or fully digitally secure access to the best rates and programs on the market.

Uploaded 4-6-2021 - Its a long story.... The sites are a work in progress, so please excuse the dust until its fully complete.

Previous Experience

  • Managing Owner - RSTESOT, LLC. - 2007 – Present
    SEO, Web Design, Local Internet Marketing Ads, SEO, Directories,
    Online Classified ads, Hosting, Search Engine Submission, Youtube,
    Facebook, Linked in, Yext, Merchant Circle, IBP, Web CEO, organic
    Google, Yahoo and Bing Web Site Design, SEO Managment, Advertising

  • Search Engine Optimization - Direct Design Now - 2008 – 2009
    Web Design, SEO, Internet Marketing, Sales, Strategic Consulting, R and D

  • Wholesale Account Executive - Homeview Lending, Novastar Inc. 2007-2008
    Sub Prime Banking Inside National Account Executive, Program Expert,
    Sales Training, Email Marketing, Direct Mail Marketing, Broker, LO Training

  • President - Net Branch Manager - All Source Enterprises, Inc. 2003 – 2007
    Residential A, Alt A, Alt B, C, D, Hard Money, 2nds & Commercial
    Net branch office, Sales Management, NA Nationwide Mortgage National Lender
    Built a perfect loan process to deliver excellent customer service

  • Senior Loan Officer - Crestline Funding Corporation - 2002 – 2003
    Residential A, Alt A, Alt B, C, D, Hard Money, 2nds, Sub-Prime,
    Automated Underwriting Clues, Indymac, Fannie, Freddie Tools Trainer

  • Asst. Manager & Sales Account Executive - Gateway Computers, Inc. 2000 – 2002
    Awarded MVP of Business Direct Lake Forest Divisio, Sales Leaders Summit Member
    Server and Hardware Training, Software and Network Services

  • President - The Millenium Team, Inc. - All Source Lending - 1999 – 2000
    The Millennium Team, Inc. - All Source Lending, direct mail, customer
    relationship marketing, all loan types originated, banked or brokered

  • Branch Manager, Senior Loan Officer - Mortgage One, Inc. 1997 – 1999
    Residential A, Alt A, Alt B, C, D, Hard Money and 2nds. Past client,
    Data Driven Direct Mail Marketing, telemarketing, and the web

  • Operations Accountant - Bidwell & Company 1994 – 1997
    Daily & Monthly Financial Analysis & Forecasts
    Streamlined employee stock option procedures
    Vendor Contract analysis and A/P

  • General Manager & Loan Officer - Mesa Corporation - 1991 – 1994
    Accounts Receivable Factoring, Sales, Marketing, Business Analysis
  • Education

  • Colorado - NMLS Mortgage Licensce 2021

  • California Real Estate License - 2001 – 2004
    Dept of Real Estate DRE and Dept of Fianance Lending

  • National University - 1991 – 1994
    Business, BBA, Cum Laude, Finance
    Business Finance - Journalism - Real Estate Studies
    Activities and Societies: Entrepreneurship, Fianance

  • San Diego State University - 1990 – 1994
    Bachelors Business - Finance, Business, Journalism,
    Creative Writing, Finance, Journalism - Business Major
  • Skills

  • 1997 - 2008 Pre Crash Mortgage Wholesale Account Executive,
    Loan Officer, Net Branch Management, Internet Marketing,
    2009 - 2017 Search Engine Optimization, SEO, Copywriting,
    Local Organic, Maps and PPC, Website Audits, Marketing,
    Online Advertising, Finance, Accounting, Journalism,
    Facebook, Youtube, Video Blogging, Sales
  • Specialties

  • • Banking, Finance, Mortgage, Retail Sales, Web Design,
    Search Engine Optimization, Marketing, Organic Advertising,
    Customer Relationship Management, Database Creation, Web Master,
    Digital photography, Marketing YouTube Commercial Videos, Email
    Marketing, Financial Consulting, Graphic Design, Social Media
  • Start Your New Home Loan

    Todd Rubick Colorado Mortgage Loans

    (970) 445-4977

    Website Contact

    Mortgage Loan

    Rocky Mountains CO | Lendem Financial Mortgage Loans | ‪(970) 445-4977 | Get your Rocky Mountain Home Mortgage Started! Open House LF Pre Approval Home Loan! Get Pre Approved for your loan before you go to the next Open House. Let LF give you a Pre Approval for Your New Home Loan! Whether your dream home is in the cities, mountains or plains, we can find the right loan to fit your property....Read More


    Questions about Lendem Financial mortgage loan options? Why you should think about using a mortgage broker vs a bank? Using a Mortgage Loan Officer that has access to all sources of lending institutiuons helps people get the best loan for their situation and offers all options on the market vs the programs at one bank. Call Todd Rubick of Lendem Financial and tell him why the bank said no... If your tax returns do not show your true income, or credit is less than perfect... Full service all source lending strategies will be offered for those that need them.