Toby Crull

Client Reviews

“Within a two day period, Toby had our pre-approval and told us to look around at houses. We quickly found the house of our dreams and Toby was there to do all of the work for us. He made this experience so smooth and easy. He answered all of our questions and made sure we understood all of the documents and funding. He also reached out to make sure our move went well and to let us know he is happy to answer any future questions. I highly recommend Toby and his team! So professional, kind, and punctual.”
— Jessica M (October 2021)

“I truly enjoyed working with Toby. He answered questions on things I didn’t understand with my loan. This is the second time I have went through him. I would not choose anybody else.”
— Dawn D (September 2021)

“Wow!! This company made the house buying process so great! Toby was our Loan Officer and we truly loved working with him! Being our first-home buying experience, we had many questions at all hours of the day and he always answered in a timely fashion! He made us feel like family. I now recommend Treadstone to everyone, and specifically Toby!
— Mikaela T. (September 2021)

“Toby has always done a outstanding job for us, and once again he was able to come through. Highly recommend using him for anyone looking for a new mortgage or refi. Thanks again Toby!”
— Jon B. (June 2021)

“Toby and his team made buying a home for the first time a breeze. I felt like person and not just a client. They were very informative when answering our questions about, especially being first-time buyers. I highly recommend Treadstone. I will 100% go back if I purchase another home!”
— McKenna S. (April 2021)

“Toby Crull and the staff at Treadstone Mortgage went the extra mile to get our refinance funded. It was no easy feat either. We initially got shot down by the bank, but Toby didn’t give up and, through some form of sorcery, convinced the bank to take a second look at our situation. We had to provide some additional documentation and had a delay in the closing date, but my wife and I can rest easy now, knowing that our house will be paid off 6 years sooner! Highly recommend Toby and Treadstone Mortgage!!!!”
— Richard K. (January 2021)

“My wife and I had the pleasure of working with Toby and his team. They are well informed and walked us through each step. They were very good at explaining things and making sure we understood. They made our first home buying experience very easy, and my wife and I are now proud home owners.”
— Perry D. (January 2021)

“Toby Crull and his team helped me with my loan process. They were very helpful and worked with my crazy schedule. They would contact me by phone/email to make the process run smoothly and quickly. We are very happy to be in our new home.”
— Brandy I. (December 2020)



"I felt like person and not just a client."

Down payment requirements, closing costs, and loan amounts are for illustrative purposes only; subject to credit qualification, not all applicants may qualify. Not a commitment to lend. Not affiliated with or endorsed by any government institution. Please contact us for an exact quote and for more information on fees and terms.

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