About Me

Todd Jarrett Everwise Group is a seasoned mortgage specialist, debt consultant, and business owner from Rancho Santa Margarita, California. Jarrett has over a decade and a half of hands-on experience in various financial fields. The expert is comprehensively licensed to handle mortgages, refi’s, HELOCs, reverse mortgages, and different other types of home loans.

The California native owns the Orange County-based debt consolidation firm Prosperity First Funding. He is also a senior mortgage loan officer at Everwise Group in Irvine. He was born and raised in San Diego County.

Current Roles & Duties

Prosperity First Funding

Debt consultant Jarrett owns and founded Prosperity First Funding. Prosperity First Funding sets the debt consolidation industry standard in the Los Angeles metropolitan area of Southern California and beyond. Owner Jarrett and his experienced team are committed to integrity backed by unsurpassed customer service.

He and his staff know that clients' money matters and that education is vital for making informed decisions on their financial plans. Therefore, the Prosperity First Funding founder personally helps clients through this education process, pledging to answer any questions and provide a clear, thorough understanding of all available options where necessary.

Everwise Group

Besides owning and running Prosperity First Funding, Todd Jarrett Everwise Group is a Senior Mortgage Loan Officer at Everwise Group. The company's mission is to set the standard for the mortgage and real estate industry. Everwise Group, headquartered in Irvine, California, is committed to providing quality customer service by putting clients first.

This seasoned mortgage loan officer guides clients through the home loan process, including overseeing mortgages, refinances, HELOCs, and reverse mortgages. He focuses squarely on ensuring his clients can confidently make the best-informed decisions for themselves and their families. He is proud to build long-term relationships with Everwise Group clients by offering honesty, loyalty, and knowledge.

The Everwise Group is licensed and registered to conduct residential mortgage origination under the Nationwide Multistate Licensing System & Registry.

Academic Background

Jarrett attended high school in his San Diego County hometown before completing further studies at the nearby National University.

National University

Prosperity First Funding owner and Everwise Group Senior Mortgage Loan Officer Jarrett is a graduate of National University. National University is a private educational institution headquartered in San Diego, California. It provides degree programs at campuses throughout the Golden State, a Nevada satellite campus, and online.

Established in 1971, National University offers more than 120 graduate and undergraduate degree programs. The university is committed to continuous innovation and positively impacting students who will one day leave their respective marks on the world.

Todd Jarrett Everwise Group studied at National University for three years, from 1981 until 1984. He holds his bachelor's degree in banking, corporate finance, and securities law from the San Diego-based institution.

Professional Skills

As a mortgage specialist, debt consultant, and businessman, Jarrett has achieved widespread recognition from his industry peers for his broad range of professional skills and areas of expertise. Just some of his many professional skills and areas of expertise are:

  • Debt consolidation
  • Debt management
  • HELOC’s
  • Mortgages
  • Real estate loans
  • Refinancing
  • Reverse mortgages
  • Second mortgages
  • Specialist loans

HELOCs allow homeowners to protect the favourable interest rate on their first mortgage while accessing the equity in their homes to consolidate debt, complete home improvements, pay off student loan debt, and have access to cash for emergencies, among other things.

Meanwhile, reverse mortgages allow homeowners to convert some of their property equity into cash. Unlike typical mortgages, where homeowners make monthly payments to a lender, reverse mortgages pay homeowners. Reverse mortgages are typically settled when homeowners sell their property. Otherwise, they move out or pass away.


National University graduate Todd Jarrett Everwise Group is a multi-award-winning mortgage expert, debt consultant, and business owner. He has received many awards for over a decade and a half in business, including as a top sales performer in various fields.

Personal Life

Jarrett shares his name with a well-known competitive shooter, firearms instructor, and filmmaker. The competitive shooter holds four world titles and nine national titles. He lives in Virginia, while the mortgage specialist, debt consultant, and business owner of the same name resides in California.

Award-winning businessman, mortgage expert, and debt consultant Jarrett was born and raised in San Diego, California. He remains settled in the Golden State today, happily married, and a proud father of three children. Outside of his professional endeavours, father of three, Jarrett enjoys many hobbies and other interests.

Among his many hobbies and interests are basketball, golf, and snowboarding. He first took up snowboarding when his children were young. Today, the mortgage expert and business owner revels in nothing more than snowboarding with his family and playing basketball in their backyard. He is also a huge Lakers, Los Angeles Chargers, and San Diego Padres fan.

Also, a skilled golfer, Todd Jarrett Everwise Group, took up the sport as a young man. Decades later, he maintains a long-held passion for golf as a hobby and a professional tool. The California native believes the sport is an excellent way to relax, exercise, and do business with new and existing clients.

Todd lives with his wife, Melanie, in the city of Rancho Santa Margarita in Orange County, California. The city is one of Orange County's youngest and safest cities. Fun fact, Rancho Santa Margarita boasts the longest city name in the Golden State.


Todd Jarrett