Toby is from Kalispell, MT where he currently resides and manages an independent branch for Cross Country Mtg.

Toby is married with 7 children. Outside of that, his passions include Whitewater Kayaking, Climbing, Hunting, Fishing, Skiing etc… Basically anything in the outdoors!

Toby has been a Real Estate Lender in the area for 16 years and is also active in property development and investing.