Brightwire Loans Park Ave, Lyndhurst

Brightwire Loans was an exceptional company to work with. Todd Harrington and his staff were organized and professional and made refinancing our loan stress free. We were amazed that our loan closed so quickly and with an incredible rate.

Todd Harrington and Patrik Vida, the unsung heroes behind Brightwire Loans, are wonderful. They are incredibly knowledgeable about what they do and they are excellent at conveying this knowledge to their clients, especially ones who aren't necessarily the most experienced in this area. I was not a first time home buyer, but looking for a cashout refinance of an existing mortgage. I had many telephone conversations with Todd where we discussed my current mortgage situation and my goals for refinance so he could research and recommend the best options to help me accomplish my goals. He knocked this one out of the park. He provided me with nine (yes, 9!) different options and talked through them all with me- helping me compare and contrast them and figure out how well they could help me accomplish my goals. Ultimately we settled on one of the options, and he bent over backwards to make it happen. He was thrown a few curve balls with my unique situation and handled them like a pro- even offering to personally pay for a second appraisal if the first company did not fix the myriad errors in their report. At the end of the day, I am settled in a nice, new mortgage and I have the funds to do some home improvements- all in time for the holidays. I couldn't have asked for better service. If you are looking for a mortgage or a refinance, these are the guys you want on your team. Heck, I told Todd that if the rates keep going lower, he may see me again in a few months for another refinance. I won't hesitate to return to Brightwire for my next mortgage, and neither should you.

My husband and I have refinanced now twice with Todd and his team. Obviously, the first time went very well, or of course we would not have used them again. But the 2nd time was even better and Todd went above and beyond to get our refinance done in under a month! We really wanted to combine our mortgage and our HELOC. The HELOC was a thorn in our side… we were stuck in it for another 27 years, at a high interest rate, and were only paying interest basically every month (barely making a dent in the principle every month). We needed a home appraisal to come in at a certain amount to have the numbers work to be able to combine both loans. When my husband and I weren’t sure if we wanted to pay for an appraisal, Todd took the risk & paid for our appraisal, and it came in at just what we needed! Bye, bye HELOC! No money down at closing, and Todd and his team were there every step of the way to answer questions for us. We are now saving money per month & the HELOC is gone. I could not be happier! I highly recommend Todd and his team! Super nice people & great at what they do!

We worked with Todd over the course of six months, working on several different properties until we finally closed in June 2017. Our finances were complex, with much of the income coming from a self-owned business. Given the esoteric requirements of different loan providers, Todd did a great job finding a path for us, structuring our assets in a way that worked. Todd was always available for the endless questions we had, even outside normal work hours. I appreciated Todd's comfort with technology - everything was done efficiently online. When we needed to look at numbers, Todd was happy to jump on a Google Sheet with us and talk it out. Todd was also efficient working directly with our accountants where needed - we didn't have to be the middleman for every single document and question. Now we have a house! We loved working with Todd and heartily recommend his whole team (thanks Patrik!) at Brightwire.

Todd and the rest of his team were amazing to work with. Whenever I had questions he took the time to clearly explain things and make sure I could make an informed decision. And through him I was able to close my mortgage in 15 days.

There is only one word to describe the experience of working with Todd at Brightwire loans.....'AWESOME'. We were shopping around for lenders while purchasing a home & even in our initial conversations Brightwire stood head and shoulder above others in being easy to work with. So we took our chances and went ahead with this company about which we had not heard before. One of the best decisions we took. Communication and explanation about all aspects of the process was par excellence, turnaround time in email and other communication was fabulous, co-ordination and task management was superlative and personal attention was incredible. Todd monitored the rates to get us the best one, worked with all parties to make sure that we keep pushing and make progress, closed the loan an unbelievably short amount of time and was actually present at the closing. I can't think of how anything can get better than this. So if you are shopping for a loan forget everyone else and just go with Todd. You will not regret it. Him and his company are going to scale great heights soon. I can put money on that prediction!!!

Had to the pleasure to work with Todd at Brightwire on the purchase of my 1st home during fall 2014. He reached out to me via an online inquiry I had submitted. During our 1st conversation, he didn't push or try to hard to close. I, like many, was a nervous 1st time buyer. Todd was able to put me at ease and I felt very comfortable working with him. Todd was there through the entire process and when I say this guy answers his phone and email quickly, it's true! Nights, weekends. etc! Todd makes it a point to attend the closing as well which put me at ease. There were certainly a few curve balls during the process and Todd was able to address them all. Todd has called me several times post closing just to check in and say hi. His offer and programs are aggressive and he knows his business. He's got strong character and does good business in an industry that isn't exactly known for integrity. Strong recommendation for Todd at Brightwire!

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.

This was the first home for me and my wife and we are thrilled to say choosing Brightwire Loans was the most important step for the successful purchase. 9 days is what it took Todd to get us a loan approved and 15 days to close out the purchase. All in all a very pleasant experience of buying a house.The manner in which Todd chased the Realtor, seller attorney and all parties involved to get us to the closing day was amazing. Actually the process that Todd has put together is what makes it a seamless activity - right from the checklist to apply for the loan to the closing day checklist. Todd spent a lot of time upfront with me and my wife to give us a clear understanding of the entire process involved and the different challenges that might come along the way. His recommendations on the lawyer and the Inspection agent was spot on and going the extra mile to change the rates even after it has been locked (because the points dipped) made all the difference. There were no hidden/undisclosed fees. He was always available to answer our questions and help to move the process along. In short, we couldn't have asked for a better experience.... All the best Todd...:)

Brightwire Cleared My Loan for Closing in Only 13 Days! Not knowing the process (moved from VA to NJ), Todd and his team were amazing at explaining, keeping the process moving, clearing my loan in only 13 days, and being there at closing to help with any questions. I was told by my agent and attorney the timetable was not possible but Brightwire made it happen! This is how the home lending should be. I cannot recommend Brightwire enough.