Todd Harrington

Todd Harrington

Brightwire Loans - NMLS ID 1074453

155 Park Ave Suite 103, Lyndhurst, NJ, 07071 NMLS ID: 869718

Licensing/Registration information on this individual can be found by clicking the NMLS ID number

About Me

Todd Harrington is the President and Owner of Brightwire Loans located in Lyndhurst, NJ. Brightwire has a 100% customer satisfaction rating on Lending Tree, and is one of the lowest cost loan providers in NJ. Todd's educational background is in both business and technology with a degree in Computer Engineering from the University of Michigan and an MBA from Walsh College.

Office Location

155 Park Ave Suite 103, Lyndhurst, NJ, 07071

Get Directions

Licensed In

New Jersey

What they're saying

Ratings & Reviews
21 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown


Wonderful service from trustworthy broker!

Brightwire came highly recommended to me, and now I see why. First, Todd found me the best rate by far, with minimal closing costs. Since this is an independent company, they have no incentive to push you toward any particular lender. Their only goal is to find you the best rate, and it was clear that they are experienced. Next, they knew the in’s and out’s of buying/financing a home, and were quick to respond to my many (many) questions with straightforward, candid answers and helpful advice. Although I was a first-time buyer, Todd and Patrik made the process practically stress-free. Ultimately, my loan was cleared to close in 21 days, which is fantastic! Then, even after my closing, they assured me that they will still be available for questions/issues I may have with the loan going forward. That’s a true testament to their professionalism. They are knowledgeable, responsive, helpful, reliable, and HONEST. And all-around great people! I highly recommend Brightwire to anyone looking for a loan and a broker they can trust.

Jess from Monmouth Junction, NJ


Highly recommend

We have had two great house purchase experiences with Todd. He helped us purchase our first home five years ago, and he recently helped us purchase our second home. He has always been friendly, responsive, knowledgeable, organized, and efficient. He got us great rates on both mortgages. He helped us close on our first house 11 days after we first contacted him. For our second house purchase, he recognized that our home insurance quote was more than double what it should be, which saved us a lot of money. Todd and Patrik both go above and beyond, and we highly recommend them.

Jamie from Lawrence Township, NJ


Best loan experience yet

Brightwire was amazing from start to finish. They were very upftont from the beginning, finding many deficiencies in my previous lenders work. When I introduced different elements to the VA loan I wanted to used, they were very knowledgable or made sure to find out the right information for me. Then they took phone calls from multiole parties on the sellers side to make sure they were educated with the VA loan process. They put up with all of questions and inquiries. I will be recommending Brightwire Loans to all of my friends and family.

Mark from Staten Island, NY


The Experience of a Lifetime

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!!

Nibin from Clifton, NJ


The Best!!

Todd was the absolute best! Even after locking in, he was able to reduce our rate when the market rates went down. My husband and I are both teachers and after investigating all of the teacher specific programs, we found that Brightwire’s first-time homebuyer program had a much lower down payment, monthly payment, and closing cost.
Todd was available any time to answer questions that we had. Buying a house is very stressful and he made it so much easier on us. He even showed up to our closing, which made me feel so much more at ease. HIGHLY RECOMMEND Todd Harrington @ Brightwire!

Michelle from Hawthorne, NJ


Todd is great to work with on loans.

Five Stars for Brightwire! 1. Closed in 21 Days. 2. Grant of $5,200! 3. Understanding of a first time home buyer. 4. Completed the loan without a problem. 5. Excellent customer service and customer focused! 6. Very knowledgeable about the home buying process. If I could tell you face to face, I would say that "I highly recommend Todd Harrington."

Heather from Denville, NJ


Cleared 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.

Frank from Point Pleasant Beach, NJ


Great Experience!

My good friend recommended working with Todd Harrington through the buying process- especially since I was a first time home buyer. Todd was extremely receptive, timely with responses, friendly, and most importantly, very knowledgeable about the entire home buying process. We navigated through some pretty challenging circumstances with my employer and the title insurance company with what seemed like at ease. I was even abroad for a few weeks, and I'm so grateful that Todd worked around that. The best part of it all is that Todd was able to qualify me for a special first-time buyer program with NO PMI at only 10% down payment! Finally, it was very comforting when he joined me in person for my closing. I would highly recommend working with Todd because I have nothing but great things to say about my experience.

Sonia from Jersey City, NJ


Great experience

Todd helped me with a conventional mortgage for my first purchase of a home. Todd and his team were great with answering my questions, giving me realistic expectations, and estimating all the costs associated with the purchase so I really knew what to expect in the process. I also had a few issues in my past that may have impeded a purchase, but those were no issues for Brightwire. As I negotiated prices with my lender, Todd was able to get me revised prequalification letters matching the higher purchase prices within minutes. This sped up the negotiation process immensely, which was very important since there was another potential buyer bidding against me. Time was of the essence for me, since I needed to be out of a rental by the end of the month. Todd and his team were able to get me a mortgage with a great rate within 15 days. Even my realtor was amazed that we were able to close so quickly. Todd came to my closing and walked me through all the lending documents. I would highly recommend Todd and Brightwire.

Tara from Whippany, NJ


Todd is A-mazing

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.

Thomas from Clifton, NJ

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