Todd is knowledgeable, efficient, transparent, and overall a great guy. The home-buying process is stressful but having Todd and his team in my corner made everything feel more secure. I had no doubts that we would close on time even with the various roadblocks that pop up. Brightwire's rates were over 1 point lower than loan estimates from his competitors. He got my rate even lower once interest rates dropped (most lenders/brokers will keep the difference for themselves). On top of that, he showed up to the closing and walked me through the entire process. Look no further than Brightwire Loans when shopping for a mortgage! As long as Todd is in business I will be using and recommending his services.