About Todd Zukowski

As a licensed Homebridge Mortgage Loan Originator in Massachusetts (NMLS #20384), Todd Zukowski can assist you with your home loan needs, including:

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

Todd welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Todd 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 Todd Zukowski Anytime

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

Todd Zukowski is 203(k) Renovation Lending Certified

Todd 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.

Todd Zukowski 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 Todd 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.
Mortgage Loan Originator in AmericaMortgage Executive Magazine 2016
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

Jillian R. May 2018
“Todd and his team have been very helpful. As first time buyers, they were very patient and responsive to our many questions.”
Judith C. May 2018
“Everyone was excellent and very informative.”
Tracy M. March 2018
“Very helpful with every aspect of the loan process!”
Jose V. March 2018
“They are super easy to work with.”
Donald V. March 2018
“Very helpful and got everything done to close on time.”
Nathan H. November 2017
“Great communication, speedy processing and very professional!”
James L. November 2017
“Prompt, informative, made it easy.”
Rohan L. October 2017
“Todd was amazing! Always there to answer questions.”
Jason M. October 2017
“Todd took time to explain the process of the home buying experience.”
Gregg H. October 2017
“Excellent communication.”
Marcos P. October 2017
“Very helpful.”
Robin P. Cumberland, RI
“Very pleased that we received a prompt response to all our questions and/or concerns.”
Dara M. North Attleboro, MA
“Todd is an excellent partner in my real estate business. He always takes the time to help my clients through every step of the home buying process. Todd realizes that communication is the paramount in every turn of the transaction and what helps to grow our business relationship.”
David L. Raynham, MA
“We were kept informed throughout the loan process. Todd made it very easy to get the forms done and into the risk department on time. Adjusted the criteria of the loan to fit our circumstances.”
Roy M. Oxford, MA
“Very happy with the level of communication and professional at every level from Todd and the rest of the team.”
Lance S. Gloucester, MA
“Very fast communication and clearly set expectations. Sounds simple - but not everyone can do it. You guys were great!”
Garth F. Holliston, MA
“Very easy to reach. Responds quickly and does a great job explaining all the details. Has kept process moving forward.”
Nancy S. Norwood, MA
“Todd was great as always! Thank you for your help!”
Sue M. Sherborn, MA
“Todd was great to deal with. My clients were very satisfied with him.”
Joseph D. Attleboro, MA
“Todd was prompt and timely with communication and a pleasure to work with.”
Ginny M. Westborough, MA
“Todd Zukowski serviced my client with the utmost professionalism and attention to detail. I have been working with Todd for 10 years and he has never once let me or one of my clients down. I can trust him in each and every transaction. This was a complicated loan and he persevered to the very last minute. He has my highest recommendation.”
Beth W. Natick, MA
“Todd Zukowski went out of his way to come to my home to retrieve documents from me and to get my signature. He was extremely responsive and made the transaction go very smoothly.”
Michael C. Ashland, MA
“Todd made sure we received our check in time to pay our deposit on our new kitchen.”
Valerie H. Chelsea, MA
“Todd always answered emails quickly and responded to concerns with great knowledge of the process. Follow-up was great and communication was easy. The buyer even received his commitment earlier than expected which helped put everyone at ease. I look forward to working with Todd and his team again.”
Robert K. Westborough, MA
“Todd and his team were wonderful to work with. They were very efficient and very thorough to secure our mortgage. It would be a pleasure to recommend them to anyone.”
Domenic R. Seekonk, MA
“Todd and his team worked with us closely, answered all questions and concerns we had. It was a pleasure working with you all.”
Fernanda H. Milford, MA
“Todd and team were all so easy to work with. Getting a mortgage is far from being an enjoyable process but you all made as painless as it could be. I will definitely recommend you to my friends and family.”
Scott S. Ashland, MA
“Todd explained everything very well. He stayed in touch and was easy to reach . There were no surprises. Most of all it was stress free!”
Kate M. Shrewsbury, MA
“Tight time frame in this loan and Todd and team did exceptional, even getting commitment early. Best in the business hands down. So happy to work together.”
Michael C. Medway, MA
“The entire process was made easy by Todd and team. They were upfront and honest about everything. I would highly recommend them.”
Tinevimbo J. Jamaica Plain, MA
“Responsive, efficient, very pleasant to work with.”
Robert B. Shrewsbury, MA
“Quick email replies and helpful explanations throughout the process. Go Todd and team!”
Chad B. Bedford, MA
“My Loan Officer reached out to me to let me know that rates dropped and I should consider refinancing. I otherwise would not have known.”
Anthony L. East Bridgewater, MA
“Mike was great keeping me up to date on the process.”
Nancy S. Norwell, MA
“kept the client calm and was creative with other options when he could get his first mortgage.”
Randy S. Norton, MA
“It was a first-time buyer purchasing a short sale property. One of the tougher buyer-seller situations I have dealt with. The lender (Todd Zukowski) took care of any issues that came up and kept all parties well informed and calm throughout the entire transaction.”
Tewodros E. Peabody, MA
“I love the fact that they communicated with me timely. I love the fact that all the communications were straight forward and easy to understand. I was worried when I started the process but it was a smooth and easy transaction.”
Juen M. Brockton, MA
“He was very good beginning to end.”
Darlene D. North Attleboro, MA
“He was always responsive!”
Steven U. Taunton, MA
“He was a great guy, very entertaining and made the process enjoyable.”
Rosanne A. Waltham, MA
“He made what seemed an impossible situation turn into a reality. Thank you!!!”
Darlene D. Taunton, MA
“He kept me informed during the whole process!”
Jennifer D. Attleboro, MA
“He explained things every step of the way, and answered any questions I had.”
Marc C. Ashland, MA
“He answered all of our questions and was very informative.”
Dan B. North Attleboro, MA
“Great communication and excellent service.”
Lori S. North Attleboro, MA
“Glenn Cira is absolutely the best. He is so good with all the clients I send over to him.”
Michael G. Cambridge, MA
“Excellent service and would recommend to everyone!!”
David F. Framingham, MA
“Excellent - entire process was great!!”
Barbara C. Attleboro, MA
Brian M. Framingham, MA

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