The Katalyst Team at ETHOS Lending
Your Wealth Plan.
Accelerated.
Straightforward guidance for life's most important financial decisions.
What Brings You Here?
Choose Your Path
What Happens Next
Three Steps. Zero Pressure.
Book a Free Strategy Call
15 minutes. No obligation. We'll listen to your goals and see if we can help.
Get Your Custom Plan
We'll map out a mortgage strategy built around your financial picture, not just a rate quote.
Move Forward With Confidence
Ready now or planning ahead, you'll know exactly where you stand.
What Makes Us Different
The Financial Planning
Approach to Lending
While other lenders compete on rate, we compete on outcomes. Every mortgage we structure is designed to accelerate your long-term wealth.
Strategy Over Rate Shopping
Your mortgage is the most powerful financial tool you'll ever hold. We don't just find a rate. We structure financing to accelerate your path to financial freedom.
Your Full Financial Picture
We evaluate every mortgage decision in context: income trajectory, investments, tax situation, retirement timeline, real estate goals. This is the Financial Planning Approach, and it's why families return for their 2nd, 3rd, and 4th transactions.
Battle-Tested Strategies
100+ real estate projects. Thousands of families served across every market condition. Our calculators exist because we USE these strategies daily.
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Years Experience
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Families Served
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State Licensed
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Star Service
Members of The Katalyst Team Have Been Featured In
The Katalyst Calculator Suite
Other lenders give you a rate quote.
We give you a strategic toolkit.
Strategic calculators built around the approach we use with every client. Find the one that fits your situation.
Meet Your Senior Mortgage Advisor
Your Strategy Starts With the Right Partner
An experienced professional who treats your financial future like their own.
Tom Donatoni
Senior Mortgage Advisor
NMLS #153198
Tom Donatoni has spent more than 20 years helping families navigate their most important financial decisions. His approach is straightforward, transparent, and client-first. As part of The Katalyst Team, he combines deep experience with smarter strategies and better outcomes.
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Insights and Strategy
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Client Wins
What Clients Say
About Working with Tom.
“Tom is professional and knowledgeable. He is extremely reliable and honest and totally dedicated to his clients. He is always available if you have any questions and will make the entire process much easier for you. We got great service and a great rate. If you need a loan, call Tom Donatoni. We highly recommend him!”
Nanci M.
Jurupa Valley, CA · November 2014
“Once again these folks have helped out where others have failed. Tom and his group constantly strive to make sure my clients get the financing they need no matter how difficult the transaction. I have had quite a few clients who other lenders have turned down, but Tom was able to make it happen over and over again. It takes a dedicated team of good hearted individuals to do what they do. He communicates very well along the way. Also very friendly and professional and always willing to listen.”
J D.
Yorba Linda, CA · December 2014
“Thanks Tom for helping us get through a refinance when others would not work with us. Enjoyed working with you.”
Miguel R.
Northridge, CA · October 2018
Individual results may vary. Testimonials reflect personal experiences and are not a guarantee of similar outcomes. All mortgage transactions are subject to credit and property approval.