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Todd Nerlinger
NMLS #641549

Meet Todd – Mortgage Loan Officer at Union Savings Bank

I’m Todd Nerlinger, a dedicated Mortgage Loan Officer at Union Savings Bank with over 15 years of experience in the mortgage industry.  I am committed to helping individuals and families in Dayton, Ohio, and the surrounding areas achieve their homeownership dreams. Whether you’re purchasing your first home, refinancing an existing mortgage, or exploring investment property opportunities, I provide personalized guidance tailored to your unique financial situation.

At Union Savings Bank, we pride ourselves on offering competitive rates and a variety of mortgage products to suit diverse needs. My role as a Mortgage Loan Officer involves not just securing loans but building lasting relationships with clients. I understand that navigating the mortgage process can be overwhelming, which is why I prioritize clear communication and transparency every step of the way.

Clients often describe me as approachable, knowledgeable, and responsive. With hundreds of 5-star reviews online (Zillow), my commitment to excellence is evident in the positive experiences shared by those I’ve assisted. One client noted, “Todd made our home buying experience smooth and stress-free. His local knowledge and friendly approach were invaluable.”

Why Work with Todd for Your Mortgage Needs?

In addition to traditional mortgage services, I offer expertise in specialized loan programs, including:

  • First-Time Homebuyer Loans (More Information)

  • FHA and VA Loans

  • Construction and Renovation Loans

  • Refinancing Options

  • Home Equity Lines of Credit (HELOCs)

My deep understanding of the local real estate market, combined with Union Savings Bank’s resources, allows me to provide solutions that align with your long-term financial goals.

If you’re ready to embark on your home financing journey or have questions about mortgage options, don’t hesitate to reach out. I’m here to help you make informed decisions with confidence.​​

Let’s work together to find the mortgage solution that’s right for you.

Fill out the form below and I will contact you with a free consultation: