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With more than three decades of dedicated experience in the mortgage industry, Todd SanGiovanni has helped thousands of individuals and families achieve the dream of homeownership. Having navigated every market cycle—from historic highs to complex regulatory shifts — Todd brings an unparalleled depth of knowledge, stability, and strategic insight to every transaction.

As a Mortgage Loan Originator at FourLeaf, Todd specializes in tailoring financing solutions that align with clients’ short- and long-term financial goals. Whether working with first-time homebuyers, seasoned real estate investors, or clients looking to refinance, he combines his knowledge of loan products—including Conventional, FHA, VA, Jumbo, and ARM products—with a reputation for absolute transparency and efficiency.

Over a 30-year career built entirely on referrals, Todd’s philosophy remains simple: the loan process should be a milestone to celebrate, not a stressful hurdle. Outside of the office, Todd enjoys cooking, mountain biking, weight training, and traveling with his family.