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Todd Zelcer

Residential Mortgage Loan Originator | NMLS #148626
[email protected]
156 Bear Creek Pike Suite 7D, Columbia,TN 38401
Apply Here For A Home Loan

The Loan Process in 4 Easy Steps!

Getting a Home Loan is Easy!

The first step in getting a home loan is loan approval. Getting pre-approved gives you the peace of mind to house hunt with confidence. Once you complete the online application, Encompass Lending Group will review your credit report and financial documents for pre-approval.


About Todd Zelcer


With having over 20 years of experience in the mortgage lending industry I’m proud to confidently say that I am very well versed with loans and in creating solutions for my clients! With my knowledge and resources "IMPOSSIBLE IS NOTHING"!!! In addition to having a caring approach in what I do I would summarize myself as a true professional that takes pride in helping my clients obtain AMAZING results when it comes to working with me! My work ethic is something that sets me apart from many! I say to my clients all the time "You have me in your pocket! With the power of technology, I’m available 24/7! You can call or text me on my cell ANYTIME! Additionally, you have access to me via email direct or through my website. My cell is NEVER shut off and the internet is always running so let’s just say the only reason you won’t be able to reach me is if I'm on the phone with a client or sleeping"! My objectives are simple! Always strive to be the best I can be! I set goals, meet goals, create new goals, and meet new goals! “All you will ever be you are now becoming” is one of my favorite quotes! It’s so endless with its inspiration!!!

Use These Resources to Simplify the Process

Home Loan Checklist
Having a list makes everything easier.

Do's and Dont's of the Loan Process

What you need to know when applying.

Loan Process from Start to Finish

Let's walk through the process.