About Michael Todd

As a licensed Homebridge Mortgage Loan Originator in Massachusetts (NMLS #878786), Michael Todd can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Michael welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Michael has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Michael Todd Anytime

Feel free to contact Michael anytime by phone or email for personalized service and expert advice. Michael Todd will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Michael Todd is 203(k) Renovation Lending Certified

Michael is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Michael Todd values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Michael by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Sonny G. December 2018
“Everyone was prompt and accommodating to our needs and went above and beyond when the closings kept getting pushed (not by our fault) to keep the rate and credits to us at closing.”
Dani S. December 2018
“Very good service, good people, very helpful.”
Joseph B. October 2018
“Had a great experience.”
Claudette M. September 2018
“Great service! Friendly staff.”
Dorothy F. March 2018
“Michael is amazing and he answered all of my questions. Things were done in a timely manner.”
Alfred L. October 2017
“The online esign is great!”
Jeffrey B. Ashland, MA
“Mike Todd and his team worked diligently and left no stone unturned to help me in completing this difficult refi, thanks for all of your hard work everyone!”
Nancy L. North Attleboro, MA
“Mike Todd was good at responding to my questions and attentive in the process.”
Chuba M. Stoughton, MA
“It was great dealing with Mike Todd and co. And also Todd Zukowski. Great peeps!”
Nana B. Worcester, MA
“He was very knowledgeable and patient and he guided me through the process.”
Sevigne P. Avon, MA
“He kept me informed step-by-step through the process.”

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