The Toby Team


Toby Petrucelli, Senior Mortgage Advisor

Great mortgage advice. Excellent rates. Outstanding customer service.


Welcome to The Toby Team at Opes Advisors, a division of Flagstar Bank! With more than 25 years of knowledge and experience in the financing and real estate industries, I’m uniquely qualified to guide you through one of the largest financial decisions of your life: achieving homeownership. Known for my extraordinary level of customer service and relentless problem-solving abilities, my team and I will tailor your loan to best suit your long-term and short-term financing goals. 

My Passion

NMLS ID# 251061

Visit The Toby Team’s site at:


7815 North Palm Avenue, Suite 440

Fresno, CA 93711








I love to help others! Whether they are purchasing their first home or adding to their investment portfolio, I assess each client’s financial goals and needs, then spend the time necessary to educate them on what is available and propose options and opportunities that will best suit their needs.

What I’m best known for

Every client’s needs are unique, and I excel at helping people overcome financial challenges so that they can pursue the American Dream of homeownership. I pride myself on being responsive, reliable, well-liked, and trusted by my clients. My realtors say, “If Toby can’t get the loan done, no one else will be able to either.”

My most memorable moment 

One of my first loans was for a darling couple with three children who were purchasing their first home. Despite many challenges, they became homeowners. I played a role in helping them achieve a piece of the American Dream—and now I am helping their children purchase their first homes.

The future of my field

Online lending is readily available, but is not reliable. It lacks the ability to have a trusted advisor guide you through the many challenges that arise during the escrow period. Without having a trusted advisor, how could a buyer ever have an exceptional customer service experience?