I started the search for a home back in Oct. 2016. Rates were low and I knew that rates would only be going up and I figured it was time to be a first time home buyer. Brightwire Loans was introduced to me by my real estate agent and I owe her a debt of gratitude for that introduction. From the beginning Todd has been helpful, informative, and pro-active in everything to help me buy my first home. We started over a phone call where I asked questions about the process and he patiently explained everything that would be taking place. He's been in the business for many years so he's aware of pretty much everything that could happen during the process. As my family started visiting open houses and visits to homes w/ our agents, when we saw a possible, we'd call Todd to prepare an offer letter w/ a pre-approval. And every time he'd have the PDF sent to the agent within a few hours. Even during the weekends!! When I had questions, I would call him in the evenings and he'd be on the line answering the questions. We made offers on 4 houses but for one reason or another, the first three fell through and the last house was the one we finally bought. Now you will need a home inspector, I used the one recommended by Todd, Paul Lang from http://www.teamworksinspections.4t.com/ . You will also need a Real Estate Lawyer, I used the one recommended by Todd, Julio Cengarle from http://www.ncd-law.com/ . Both of them were great! Now the last home happened to be a REO and we made the offer on Jan 15, 2017. They counter offered but added the closing needed to be on Feb, 27, 2017. No problem, that was more then a month away. But after finally agreeing on the purchase price and attorney review, it was now Feb. 14, 2016. We asked for an extension on the closing date and they said no!!! We had 2 weeks to get all our ducks in a row!!! I didn't want to lose this house, rates which were climbing up at the beginning of the year had come down some - but who knew for how long. So time was of essence. So we went full steam ahead. We scheduled the home inspection for the 15th, which didn't find anything too bad. So we scheduled the home appraisal and started the title search. All this time, Todd was working diligently with the lenders and myself to make sure all the necessary documents were available and checked. The title search took a week and came back ok. The home appraisal also took about a week and came back ok. It was now Feb. 24th and the final documents for the mortgages were getting ready - I had to move money around to show that it was available for closing - and I was waiting for funds to clear, it was all down to the wire. We received the Clear-To-Close on Feb. 27th!!! the day the seller requested to close. So we had to now finally set the actual date for closing. That all fell on the seller side and they took time and we were able to close on Mar. 3rd. Todd appeared on the closing and we finally got to meet. He really went above and beyond. One example, my RE agent had sent my earnest money cashier's check to the seller's attorney but the seller's attorney SAID THEY NEVER RECEIVED IT. But our tracking number showed it had arrived at their office while it was closed. Todd was on the phone w/ the seller's attorney about 10 times on Mar. 1st, asking about the check. Asking them to go through their dead piles or to ask their neighboring offices. He even volunteered to go help in the search. Finally around 3PM, the seller attorney had found the check!! The rate I got would have been amazing if I had extra money to spend on the points. I mean they were around what was being offered before the election. The rate I did get was still great and lower then I expected considering that rates were going back up. Now this is of course not normal. A normal close would take about 30 to 45 days, but if anyone is able to move mountains or cross oceans to get the deals done, Todd Harrington from Brightwire Loans would be person I would want on my side for pretty much anything! I can not stress how helpful he was. How informative. How pro-active. How on-top-of-things. How amazing. I recommend Todd and Brightwire Loans 1000%. Now - disclaimer - if the home inspection had gone bad, I would have walked away. ( which I did on our 3rd offered house ). Also 11 Days to close is NOT the NORM. Please do not expect that this will work for you. Each deal is different and there are so many factors involved in the pre-approval and mortgage process, that I was not aware of. Todd explained everything. We worked well together to make sure everything was in order to help expedite processes. I recommend Todd very highly, just do not expect the 11 days to close like I had. read more

Long review - but worth reading! About two years ago my husband came across Todd's profile on Yelp. After reading other people's positive review, we decided to give him a call for some guidance. Todd was extremely professional/polite and seemed pretty knowledgeable over the phone so we decided to meet with him in person to discuss further. He took the time to explain every single step when it came to purchasing a home, he discussed different type of mortgage loan options that were available among other items. After reviewing our personal information, he informed us that we had the income but the debt to income ratio was a bit high (we had credit card debts, car loan, and personal loan.) He suggested that since we weren't in too much of a hurry instead of approving us for a high interest FHA loan we should just continue to save and lower our debt over the next year. We took his suggestion and did just that. A year later we returned and he re-accessed. He was happy to see that we paid off the car loan and reduced the credit card debt. However we still had a bit more to go - so we opted to continue saving/reducing debt and return back in another six months. This past April 2018 - we met again and this time we were approved for a higher loan! Yay! We were approved for a conventional loan with only 3% down!!!!! We immediately started the hunt for the right home which took 5 months due to the extremely competitive house market in Northern NJ. During this time we put offers in multiple homes and unfortunately lost them to other buyers. Each time Todd continue to advise us as to what to do, and how not to lose hope. Came July and we finally landed one! Everything was going well but then a week prior to schedule closing, the deal fell through. We were extremely devastated/defeated and truly felt like we should just give up because it looked like we'll never find a home. Todd yet again continued to provide us with encouraging words and helped us lift our spirits. You can truly tell he cared and really wanted to make this dream happen for us. We took his advice and continued the search. A few days later we came across a home online and contacted out realtor to see if it was still available, luckily it was. Immediately after viewing the property we knew we found the one! (The previous home was nice but we were mostly just settling - now glad that the deal fell through.) That same evening we decided to place an offer and in less than 48 hours we heard back from seller with the news that they've accepted our offer! We contacted Todd to tell him the great news and get the ball rolling - Todd did just that. He provided us with a checklist, reached out to our lawyer/realtor/Insurance/Title Company on our behalf to make sure everyone was on their game and ready for closing in 30 days. (This is clearly another example of him going above and beyond.) He monitored regularly the market and recommended when the rates were good to lock in, he was also in constant communication with lender and underwriter to make sure we were all set. By him taking the time and being extra thorough, he managed to clear our loan for closing in just 22 days!! Recommending Todd is truly a no brainer for us. He will help/guide you when making potentially the biggest purchase of your life. When I say he is by your side the entire step of the way, I'm not kidding. He even made time to come to our closing just to make sure everything went smoothly. We truly believe that if it wasn't for Todd and his support these past two years - we wouldn't have accomplish this dream of ours. Sincerely Vicky & Jeff read more

Me and my gf were young first time home buyers. We had basically no idea where to start. We started with a few of the big banks and our Realtor suggested working with lenders because going to big banks could cause a lot of delays. However, he could only recommend lenders from his reality company. I decided to check online and yelp is basically my first go to place. When I saw 5 stars for Todd and Brightwire, I assumed it was a scam. But after dealing with Todd, I assure you he is worth all 5 stars. We got about 7 different quotes from other lenders and banks. Todd was basically one of the best out of them. You can reach him anytime you want and he gets back to you VERY quickly. I basically told him I knew nothing and he did an excellent job of explaining everything and letting me know all my different options. The whole process is intimidating and having someone you trust and that you feel you can rely on is such a plus. He was never pushy and I never felt forced to do anything. He always gave me multiple options for any supplemental things we needed. Now through the whole process, Todd did an excellent job in attaining all the documents I needed. We did have to go back to the underwriter twice but that was because of changes due to my employer. And everytime Todd was able to swiftly get everything I needed and work around things. I never felt alone or that things wouldn't work out. At one point, there was documents I didnt think my employer would give me and Todd was able to work around that rather than starting a new type of loan. We also had issues needing flood insurance at the last minute that he was able to help us quickly work through. Even through the holidays and when he was on vacation, I was able to reach Todd. He even monitored rates and got back to me when they dipped so we could lock it in. He showed up for the closing and helped us go through the documentation with the lawyer. He followed up several times after the loan was processed and made sure we had payments and online accounts set up. I have absolutely no regrets and would recommend Todd to anyone that is looking for a mortgage. And I believe this is the first 5 star review I have ever given. And it was well deserved. Thank you again Todd for all your help. I am glad that you were there to help us through everything and help us get our dream apartment. I definitely believe that if we had gone to a big bank loan, we would have lost the apartment. If you still have doubts after reading all these reviews, you can ask Todd to get you in touch with me and I can describe things in detail. -Mat S read more

Well let me start by saying, if you want to know what is the definition of customer service you should hire Brightwire Loans to process your loan/mortgage. I found Brightwire via yelp and I am glad I did. We just got married and were planning to get into the current crazy market of real estate for our first home purchase. The whole process of understanding your financials, paperwork , location, trying to find a lender or a real estate property in itself is an experience which is extremely stressful for most of us. But, when you have a team like Brightwire Loans doing all the legwork for you in addition to guiding you in the right direction, politely answering all your questions , always being courteous and super responsive to call you back (if they are ever busy with another client)always lovely to talk to over the phone), you can breathe a sigh of relief. Todd and team are by far one of the best teams of working professionals I have ever come across in my life. The sheer passion for their work and the extent to which they will go to make sure their clients are helped will not just match your expectations but will definitely surpass it. They have lazer focus on each and every client and they treated us as if we are their only clients in a market that has never been so busy ever before. I had my real estate agent tell me once over the phone that she has not seen such a crazy real estate market in her career (20 years). As soon as we found the house that felt home to us, the team of Brightwire Loans throttled their engines (max power) to make sure we close as soon as it was required. Our loan was cleared for closing in only 11 days, no appraisal was required and our experience have been fantastic. This note is to whoever is reading this right now. Trust me if you hire Brightwire for yourselves you will never regret your decision. I have already recommend them to my own friends and family. Last but not the least, I feel more than blessed to have a team like Todd, Christa and Patrick help us secure our loan and close it in such a short span of time with the best rates in the market that no one can ever beat. Thank you Team Brightwire Loans, will never forget all the help you guys provided to make sure that this works out for us. We are delighted to have found you. Good luck and God Bless. read more

It is definitely eye opening when you put into words how a complete stranger delivered as promised from minute one! From the first conversation I had with Todd, I had a feeling it would be a bit different than with other brokers. However, I still proceeded with a bit of caution as I didn't know whether Todd was just "yes'ing" me or that he would actually be able accomplish what he says he can do(day2 I knew Todd was the real deal). Just a bit of a backstory, I was already working with another broker for 2 weeks when I felt that they were having issues getting my mortgage approved-so I was a bit unhinged to begin with. Todd had listened to my situation and reassured me that he had already helped a few people with my same problem get approved for a conventional loan. For the next 19 calendar days and 12 business days, Todd made me feel like I was his only client! Never did I feel that my file was just sitting on his desk. Todd updated me almost daily on what he was doing with my loan. He provided best case and worst case scenarios as well as break even periods for 30 years, so that I knew which was the best rate option for me. He also went out of his way shop for a lower PMI payment for me(we only put 10% down) even though I already agreed to the higher payment. We closed in an amazing 12 business days(our original closing date)!!! And Todd even showed up to the closing! Which I'm so glad that he did, cause it gave us a chance to invite him to our new home that he helped us obtain! Everything is easy, uploading docs and signing docs were a breeze-Drag and drop and click and sign. This allowed me to get my docs to him within minutes after they were requested. Todd never oversold or over promised, just happily over delivered on his work! He answers the phone when you call, calls you back right away if he doesn't. If he tells you he will let you know by tomorrow, he'll actually let you know by tomorrow. Follows up and follows through. I can't express how thankful I am to Todd and Patrik for their help!! Brightwire Loans definitely has my complete trust and confidence and I highly recommend calling them for a mortgage! Jim & Ericka F read more

During the summer of 2017, due to circumstances beyond our control, my children and I were placed in the unfortunate position of searching for a new home. We had less than 2 months to accomplish this task and I had been struggling with the lack of professionalism and knowledge, as well as the "sales" tactics displayed by several mortgage brokers. It was truly by the Grace of God my realtor had just received information about a company called Brightwire Loans. I cannot say enough about Brightwire Loans, and, in particular, about Todd Harrington. Todd Harrington's vast array of knowledge and resources regarding the entire home buying process is impressive in and of itself, however, his drive, determination and personal attention to details sets Brightwire Loans far above the rest. Although several challenges presented along the way, I was able to secure a loan which not only included a $4600 lender grant, but also a 1% down payment and No PMI. That is not a typo. One percent down and No PMI. Even more impressive, Todd Harrington worked to insure I was cleared to close in 11 DAYS (7 Business Days) which translated into closing on my new home only 14 DAYS after I applied for the loan. This is rare in the mortgage / banking industry today. Yet, the entire process was smooth thanks to Todd and his team. Whether by email, fax, phone or text, everyone at Brightwire was willing and able to answer my endless questions and provide the support necessary to carry out the monumental task of closing this loan in such a short amount of time. A consummate professional, from pre-approval to closing, Todd Harrington consistently demonstrated a high level of commitment and financial intelligence. Todd also took the time to attend the closing in person. His timely responses, availability, patience, and friendly, calm demeanor add a personal touch rarely seen in business today. Brightwire Loans and Todd Harrington provide an elite level of service. Highly recommended. read more

We started working with Todd the moment we decided we wanted to buy an apartment. He came highly recommended by two great friends who had recently purchased their new homes so we knew we must have his assistance. We began our journey looking for an apartment/condo as first-time buyers and he walked us through every bit of the process and gave us advice at every step based on our budget and income, taking all our concerns into account ,and even raised potential concerns that could come up that we never even thought of. Additionally, we received an excellent education in the lending process. We, eventually decided to make the leap to purchase a house in the suburbs which he was a huge proponent of vs. a condo. He learned how we work (via many excel spreadsheets and constant interest rate monitoring) and held our hands the whole way, available to conference call with my fiancée for big decisions, and constantly available to discuss even the smallest of details. Todd worked consistently when getting close to setting a closing date, getting the best interest rate possible, saving us money at our closing. Additionally, gave us the resources to shop around for our mandatory flood insurance, saving us thousands in the end. When it came to our closing, he was exceptional. During our review, he cleared our loan for closing in only 13 days. He even came to our closing in person, which we later learned is very rare, and worked seamlessly with our lawyer and real estate agent. At the end, a process that is one of the most stressful things you will go through, left my fiancée and I both feeling very guided, supported, and with a sense of security. We are grateful for all Todd and his team were able to do for us and will continue to recommend him to anyone we know on the house hunt as his service was invaluable. read more

Words cannot describe how incredibly grateful we are to have found Todd Harrington with Brightwire Loans!! As first time home buyers we were uneducated on the entire process let alone the ability to obtain a CONVENTIONAL mortgage loan.. Todd guided us through the entire process every step of the way. From our very first meeting he was extremely helpful and was able to share his extensive knowledge in a way that we could understand. He not only impressed us but impressed every other party involved including our lawyer and realtor. Todd was consistently knowledgable, efficient, responsive, and detailed in his work. He went above and beyond to ensure we had the best interest rate; even when that meant re-doing our entire loan to save us more money. It was very clear that Todd always had our best interest in mind. Anyone who is leaving a bad review likely is blaming Todd for things that are out of his control. He never disappointed us once. His communication..excellent. His customer service...excellent. He often replied within minutes or within the hour after emails or calls. He follows the market very closely and is simply a straight shooter. No B.S. He even attended our closing and gave us a nice gift ! Which from what I hear is unheard of..Another example of how much he cares about his clients.. We cannot recommend him enough to everyone we know who is thinking about purchasing a home. If you are reading this and debating on contacting Todd..JUST DO IT! No strings attached even if its just for a consultation and you'll experience what we did. My wife and I are proud to say we now own a home at the age of 25 all thanks to Todd Harrington!!!! If I could leave 100 stars I would... read more

After having experienced TWO traumatic transactions with some dishonest loan brokers, I must say that I was THE MOST SKEPTICAL client until I met Todd and his staff at Brightwire Loans. Once I provided all the required documents, Todd and his staff did all the work so promptly and efficiently that my refinancing loan was cleared in only 21 days (whereas I had to stay in a hotel for a week when my loan was long overdue for closing on my first trauma! I had moved out of the house that I was renting but could not move into the house I purchased due to the negligent loan agent). Initially, I had been told that it would take about a month, but Todd did the job in just 21 days! Another attribute to which I take my hats off is Todd's honesty. I had been "promised" a very low interest rate by my loan agent (now, this is my second trauma) and only ended up being slashed with a higher (a lot higher) than any other lenders. I am sure a lot of people can relate to this. However, Todd had quoted me an interest rate to which I was very attracted AND (to my surprise) got me the originally quoted interest rate. Todd has truly restored not only my trust in loan agents and lenders but also the integrity that many dishonest loan agents tarnish. Brightwire Loans truly is the best team of professionals with whom I have ever worked. The punctuality and courtesy provided by Brightwire Loans are truly second to none. I only wish that Todd is licensed in all 50 states so that I would not only spread the news to my out-of-state relatives and friends but also work with him on my investment properties in other states. Thank you, Todd!!! It has been an honor to be one of your clients!!! read more

I cannot begin to say how great my experience was with Brightwire Loans. I was a first time home buyer and was completely clueless on the process of getting a mortgage. Todd walked me through every step during the whole journey. He broke down my different financial options and explained all in a easy to understand way. Both him and his colleague Patrik made it very easy to submit the paperwork that was needed for the application. I heard that it can be a headache to apply for a mortgage, and Brightwire made me say, "That was easier than expected." My process was not an easy one due to some condo complications I had that were out of my control. Todd was able to work with me through my set backs and always was able to calm me down and explain to me my options and next steps. The process went on for much longer than anticipated due to condo complications and he was always there coaching me through. His patience is something I wish I had! I had to have my first rate expire and re-apply for a new rate after I settled my condo issues. Todd was able to work with me and got me a lower rate in the end. He was always very available when I had any concerns or questions (and boy did I have a lot of questions). He provided me with white glove service and made me feel I was top priority which I greatly appreciated. He even came to the closing which I was grateful for. Both him and Patrik were an absolute pleasure to work with. If you are in the market for a mortgage specialist or need to re-finance, you need to contact Todd and start your process with the BEST in the business! read more

Our experience with Todd at Brighwire Loans was truly first rate. We met Todd from a friend's referral who said he helped them close on their home in record time. We were so please with our experience that wanted to pass it along. A little about our situation and the deal in question: both of us work in w-2 salaried positions, so the income was not an issue. Todd pre-qualified us in a day with very little back and forth. Once we signed a contract, Todd took over. He project managed the entire transaction, from coordinating attorney's, arranging for the appraisal with the realtor and AMC, making sure the appraiser submitted the report back and pushing the lender to get the commitment letter issued. Where Todd really shone, however, was in dealing with the condo association management company. The association management company was totally unresponsive in getting back to the lender with timely information throughout the transaction, but ultimately failed to disclose a special assessment owed on the property. The seller planned to pay the assessment, but because it was not disclosed, things nearly unraveled. Todd kept his cool and actually did the association's job in documenting the assessment so all the association had to do was confirm the numbers. It completely saved the deal so we could close. We can't say enough good things about Brightwire and thoroughly appreciate all of Todd's hard work and effective communication. read more

My first home-buying experience out in Texas was riddled with anxiety and stress. Needless to say, I was not looking forward to going through that again, so I made sure to do ahhhh lot of research beforehand to find the best broker. Thankfully, I didn't have to look far. I found a Brightwire Loans right here in town. Initially, I didn't believe all the reviews. I mean, how can a company in the service industry receive 5 stars?! You don't pick up the phone right away and people will knock a star off! Am I right? After reading all the reviews on Google, Yelp, Zillow, Angie's List (yes, I read them all!), I was still quite skeptical until I finally called them. And boy! That was the best decision I ever made. Todd, Patrik, Christa are super stars -- always returning my calls within the hour, answering all my questions (and I had ahhhh lot), getting us the best interest rate, and closing within a whopping 12 business days! They also caught an error during closing that saved us $3,250 on a title transfer fee. You can tell that they actually care and just want to secure the best deal for you. Because of their exceptional customer service, I trust them completely. I will use their service again and refer all my friends/family/colleagues. If you have the time, definitely shop around. Buuuuut, if you need to close quickly and want an easy, stress-free experience, then call Brightwire right way. Tell them "Large Marge, sentya!" read more

I am not a person who writes reviews but, Todd Harrington from Brightwire Loans LLC has become the exception and for very good reason, the service I have received from Todd and his team at Brightwire Loans has been nothing but exceptional. I first met Todd during the purchase of my home 6 years ago and I was skeptical about Todd because everything he offered sounded too good to be true, well, Todd earned my business and my respect because he delivered on everything he offered. One of the many things he delivered was with my Interest Rate, back then, all the other Loan Companies could not offer anything below 4.9%, Todd delivered on his word and got me 4.275%. Today I am extremely happy because a few weeks ago I gave Todd a call to talk about refinancing my home since I have been hearing about the Low Interest Rates. Todd and his team at Brightwire Loans LLC did and amazing job Once again with processing my refinancing in a few weeks and saving me a lot of money. The best part was that Todd did not push one idea or another for him to get the most out of the deal, he just asked me what was I looking to get out of the refinancing, presented me with options and got me another great Low Interest Rate and all the conditions I was looking for. Todd Harrington and his team at Brightwire Loans have certainly delivered once again, thank you! read more

I am so happy we found Brightwire Loans. As first time buyers we were pulling our hair out over all the bad advice we got elsewhere. We seemed to be spinning in circles. It seemed every one in our experience was mainly focused on commission, how quickly we could get to closing and not assisting us with making the best decisions as this is the biggest purchase of our life. You hope that the professionals you hired would act as such. After being totally frustrated I turned to Google. Brightwire popped up in my area with their 5 star reviews... I was skeptical but decided to give them a call. From the first phone call I could tell the difference in their level of service. Todd and Patrik were so patient and knowledgeable answering all our questions as well as providing us with the best advice and suggestions. Night and day to the previous people we spoke with. At this point we stopped shopping because we trusted Todd and just did what he told us. If you just started shopping for your home I suggest you talk to Todd and get pre-qualified before you even find your realtor. He searches all the lenders and will find you the best option based on your situation. I cannot say thank you enough for being the best part of what was becoming a headache. I work with newly engaged couples and am going to refer Brightwire to all my clients. read more

Brightwire is the perfect loan company to go with for any of your needs. By far Todd is the most professional and caring mortgage broker in the industry. To start off I was a first time home buyer who had no idea what to do and Todd held my hand the entire way through the process. I closed back in July on a 2 family home with an FHA loan which was pretty tedious and time consuming especially in today's market where homes come on the market and are gone within the day. Todd and his counterpart Patrik were accessible by the second phone ring the latest, they worked day and night at anytime to ensure that I was comfortable with the entire process. They know their lenders well and will let know exactly what is needed to make it happen. There were multiple offers that were put in on multiple properties but I was able to get pre-approval letters put together for each individual property in a timely manor. You always have doubts going in to such a big purchase but I promise you that this team will not let you down and will be there for you from start to finish guaranteed. Thank you again Brightwire Team for such an amazing and refreshing experience that is hard to find in today's harsh world. I feel comfortable saying I would recommend everyone I know to you! I'll see you guys soon for the next purchase!! read more

We cannot praise Todd and his team enough. When we knew we were planning to sell our house and purchase another (which Brightwire also helped us finance in 2017 and then refinance in 2019), I immediately called Todd to give him a heads up and seek advice, given the uncertainty and hot housing market amid a pandemic. Timing was difficult for us since we had to sell before purchasing and Todd gave us sound advice on how to navigate it all. Todd and Christa were prompt with getting us our pre-approval and walked us through every step. They were advocates on our behalf when our purchase fell through due to issues on the sellers end when he had to start the pre-approval process all over again. It was a difficult time for our family while navigating temporary housing with two small children, but we knew Todd and Christa had our backs. Todd even recommended a new attorney when we asked (Earl White, who was fantastic) since we were unhappy with our original one. The happy ending? We found our dream home and our loan was cleared for closing in only 17 days! Brightwire is the real deal and we would recommend them again and again. They are highly knowledgeable and treat you like family. The Brightwire App made the process extremely easy, too! Thank you, Todd and Christa. You're the best! read more

Just closed a refinance via the Brightwire team, and have nothing but great things to say about the experience. I found Brightwire on yelp after some discouraging communications with my existing loan provider about the possibilities to refinance. And even though mortgage lenders and brokers must be absolutely swamped right now with every Tom Dick and Harry trying to refinance or purchase during this downswing in interest rates, Todd and the team were super responsive. Todd himself was a positive cheerleader during a process that can be less than exciting. In terms of the actual loan: we ended up with an extremely favorable interest rate that will save us thousands of dollars over the life of our loan. We closed 10 weeks from my initial outreach via yelp. Todd was able to identify that we were under-escrowed on our current loan and we were able to cure that with the new lender. He also negotiated at every turn for us, wielding a favorable appraisal as leverage with the lender when appropriate to help us on closing costs. I would definitely recommend Brightwire to anyone in NJ seeking a pre-approval, mortgage, or refinance, and plan to use them again if and when I want to refinance in the future or purchase additional property. read more

I cannot speak highly enough of Todd, his professionalism, attention to detail, and commitment. I was referred to Todd through a good friend at work. She said he was really on top of things and would make my life easy. It couldn't have been more true. You see, if I called him, he picked up. If I e-mailed him, he wrote back within minutes. Even while things were quiet (short sales can take a while), I would hear from Todd via phone call or "just checking in" e-mail. This is a guy who genuinely cares about his clients. He will do everything in his power to make your life easy. He will make time to sit with you, go through your mortgage options, and give you the best recommendation. If you're confused about anything, he'll take the time to explain the whole process to you in very easy terms. Upon moving in, I found a welcoming package with a that included a "thank you" card that was personal and thought out. Honestly. It was like a full page and handwritten. This was my first home purchase and people like Todd give me faith that at least SOME people in the industry have a clue what they are doing. Do yourself a favor and work with Brightwire Loans. For me, no one could have done better. read more

Working with Todd at Brightwire Loans was an absolute pleasure. Having been through the closing process more than 10 times, this was BY FAR the best experience we have had from 1) a mortgage education perspective 2) the perspective of unique/custom programs offered by Brightwire and 3) the customer service/personalized attention we received. Todd walked us professionaly through every single step in the process and was our go-to person on every question (even when it should have been directed to the attorney or Realtor). I was really excited about the no PMI program that Brighwire Loans offered. We paid a small fee upfront (subsidized by a closing cost credit of $500 offered by Brightwire) and no we do not have to pay a monthly PMI even though we only put 10% down. In addition, our loan was CLEARED for closing in 18 days from the time we applied! Further, we were given the option to manage our own escrows, which is a huge advantage in that money is not held by the bank in escrow indefinitely. Todd attended our closing which added an extra level of security for us and ensured that everything went smoothly. I could not have had a better experience and would HIGHLY recommend Brightwire Loans to anyone! read more