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Todd Hughey

Senior Loan Officer, NMLS# 613450

Bio

Todd has over 25 years of expertise in the financial services and mortgage industry. Todd’s background allows him to offer exceptional client relation skills, whether he is working with first-time homebuyers or seasoned investors. He is adept at understanding and identifying his clients’ needs and customizing a mortgage program to meet those needs. Todd’s reputation has been built on loyalty and trust and a willingness to go the extra distance to assure his clients’ satisfaction. Todd received his B.S. in Marketing from Merrimack College and an MBA from Bentley College. Todd currently resides in West Newbury, MA with his wife and 3 young daughters. His interests include skiing, ice hockey, hiking, camping, golf, boating, music, photography, and outdoor activities. Todd currently sits on the Board of the Attitash Alpine Educational Foundation (AAEF)/Attitash Race Team.

“The greatest compliment I can ever receive is a referral from my family, friends, and clients. Thank you!”

NMLS#
613450

Needham Loan Office
160 Gould Street, Suite 205
Needham, MA 02494

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I was very happy with my choice to go with Todd. Getting a mortgage can be a very stressful experience, but Todd was great at answering all our questions and setting our minds at ease, I was especially impressed with how well he worked with our Attorney; he even came to the closing! With the market in such a state of flux, it is great to have someone who is as responsive and dedicated as Todd.

Marcia M., Melrose, MA

When I first contacted Todd Hughey, I was in an impossible predicament. Our closing date was established, but the seller could not agree to the conditions being set by my lender. My wife and I were on the verge of losing the house of our dreams, so that evening I took a shot in the dark and contacted Todd Hughey. Not only did Todd answer his phone well after business hours, but he went to work for me right away. We called back and forth well into the night and by 10 the next morning we were able to keep the deal together. Todd even had the ability to keep our original closing date (although we didn't need to) which was only one week away. My only regret was not going to Todd Hughey in the first place. I was astounded at how quickly, smoothly and accurately they were able to put everything together. My experience with Todd stood in sharp contrast to my previous lender, and I've been telling everyone I know about my experience. I will make sure to recommend Todd Hughey to anyone and everyone I know that is thinking about purchasing a new home. Thanks again!

Jeff N., Newbury, MA

Not only did Todd find my wife and me the best program and interest rate to fit our needs, our loan was processed quickly and efficiently allowing us to close two weeks ahead of schedule. I highly recommend working with Todd...

M.Z., Newton, MA

I highly recommend Todd to other first time home buyers as he took the time to meet around my schedule, thoroughly explain the home buying process, and answer all of my questions.

Tony D, Boston, MA

I met Todd at one of his First Time Home Buyer seminars. It was quickly apparent Todd was very knowledgeable about the home buying process. I worked with Todd in buying my condo and am extremely happy with the service he provided.

Brian O, Boston, MA

Explore the Loan Process

Learn

Learn all you can about the loan process and ask lots of questions.

Apply for Loan

Complete, review, and submit your application. This will set the process in motion.

Connect with a Loan Officer

Your loan officer will reach out to you and review your application with you.

Credit Check & Prequalification

We will assess your credit, income, and assets to quickly determine what loan(s) you qualify for.

Documentation

Paperwork is still a big part of the loan process. We will email you forms to sign and a checklist of documents we’ll need.

Rate Lock & Appraisal

Once we’ve discussed the loan amount, the type of loan, and the rate that’s best for you, it’s time to lock in your rate and order your appraisal.

Underwriting & Approval

Our underwriting team will review and issue a decision detailing any conditions necessary for final loan approval.

Clear to Close

Once we have cleared necessary conditions our underwriting and closing team will make final preparations to close.

Closing

Loan documents are delivered to the closing attorney. The attorney will contact you to arrange a signing.

Funding

Once the signed documents are returned and reviewed, the closing attorney will request a wire transfer of the loan funds.

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