Hi, I'm Tim Oddo

Retirement Lending Loan Officer | NMLS# 302667

Serving Denver Metropolitan Area, including Denver, Highlands Ranch, Littleton, Centennial, Lone Tree, Englewood, Parker and Castle Rock, and Clients Nationwide

Your home equity can do more than you might think. I help homeowners age 55+ explore smart lending solutions to improve cash flow, eliminate monthly mortgage payments, or purchase a new home.

Retirement Lending Solutions

Solutions Built Around Your Goals

Retirement lending isn't just about accessing home equity. It's about understanding how your home can support the life you want to live.

If your goal is improving monthly cash flow, preserving retirement savings, purchasing a home that better fits your lifestyle, or creating greater financial flexibility, we'll explore the options together and determine what makes the most sense for you.

Why Work WIth me?

Education Comes Before Every Recommendation

For Tim Oddo, retirement lending is about more than mortgages. It's about people, relationships, and helping homeowners feel confident about their financial future.

With over 20 years of experience in the mortgage industry, Tim originated his first reverse mortgage in 2005. Since then, he's made it his mission to help homeowners understand their options and discover how the right financial tools can make a meaningful difference in their lives.

Tim believes that trust, education, and strong relationships are the foundation of everything he does. He knows there's a lot of misinformation surrounding reverse mortgages, which is why he takes the time to explain how they work, answer questions, and walk clients through both the benefits and considerations. His goal isn't simply to help someone get a mortgage. It's to make sure they have the knowledge and confidence to make the decision that's right for them.

When he's not helping homeowners navigate their retirement lending options, you'll likely find Tim enjoying some of his favorite things:

• Fly fishing: He'll be the first to admit he's not an expert, but there's nothing quite like spending a day on the river.
• Cooking (and eating!): Italian and Mexican food are always at the top of his list.
• Documentaries: From food documentaries to true crime, he's always up for a good story.
• Life on the water: He loves spending time on the boat, especially wake surfing!

One fun fact about Tim? He's left-handed, which means even something as simple as finding a pair of scissors that works can be an adventure!

At the end of the day, Tim's philosophy is simple: People matter, relationships are everything, and everyone deserves to feel informed and confident about their financial future.