Todd Zukowski

Senior Loan Officer, NMLS# 20384
emailtzukowski@leaderbank.com
phone number508-735-2274
zukowski
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Bio

Todd Zukowski has been a top producer in the mortgage industry for over 20+ years. Todd can originate a variety of loans including: Conventional, Jumbo, FHA and refinance.
Born and raised in Massachusetts, Todd is a proud member of his community. He believes that it is a perfect place to call home. In Massachusetts, you can enjoy the beach in the summer, and skiing the mountains in the winter – all in one place.

Todd is active in his industry and works with clients from Boston to Cape Cod, where he currently resides. In 2002, he started a chapter of BNI in the town of Ashland, MA, where he has been a strong member of the group since and plans to keep the enthusiasm going!

He describes being a Loan Officer as a win-win situation where he gets to be an instrumental and helpful part of one of the most important transactions in his clients lifetime. He truly enjoys his work helping buyers to get a home that they want.

Todd knows that many factors go into buying a home and he loves being able to provide clients with a full network of service providers.

Todd describes his team as extremely responsive and efficient. He and his team are very enthusiastic about what they do. They are happy to help clients find a perfect loan for their unique financial situation and in today’s ever-changing market, you need a lender who can help you make sense of your options and choices. I pride myself on taking the time to understand your financing needs and goals. I will be there to guide and provide you with all of the tools you need to make educated financing decisions. From our first conversation, to loan closing and beyond, I will be there to answer your questions and keep you informed.

With my competitive rates, expertise and industry knowledge, I will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation. Ensuring that you make the right choice for you and your family is my ultimate goal.

NMLS#
20384

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

tzukowski@leaderbank.com
508-735-2274

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I have worked with Todd in financing a home purchase twice now, and will definitely be going with him in the future as well. He and Francine were knowledgeable, helpful and quick to respond. Not only did he give me the best rate I could find, but he also took the time to explain particulars and options in financing our home. I highly recommend Todd and Leader Bank for financing a home purchase.

Langdon M., June 2021

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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