New Jersey Mortgage Specialists

Meet Your New Jersey
Mortgage Loan Officers

Whether you're buying, refinancing, or investing, our experienced mortgage advisors provide personalized guidance to help you confidently navigate New Jersey's competitive real estate market.

Get Started Today Call Our Team

13+ Years Serving NJ

5★ Google Rating

20 days Average Closing Time

25+ Wholesale Lending Partners

NJ Local Experts

Our strong relationships with local NJ Realtors, attorneys, title companies, and insurance professionals help create a smoother mortgage experience from application to closing. Whether you're buying a home or refinancing, you'll benefit from a trusted local team.

Lower Rates & Fees

Unlike banks and credit unions that only offer their own products, as an independent mortgage broker, we can shop our 25+ wholesale lending partners to engineer your best possible deal.

Small Business. Big Commitment.

Personal attention from a team that knows your file and is available when you need help.

Your Mortgage Team

New Jersey Loan Officers
You Can Trust

Meet the full team

Todd Harrington

President & Mortgage Loan Officer

NMLS# 869718 Licensed NJ Top 50 NJ Loan Officer

The dream to become a business owner began for Todd as a 17 year-old Eagle Scout. As a University of Michigan Computer Engineering graduate, Todd saw the opportunity to reimagine the mortgage experience, leveraging his technical background. As the valedictorian of his Master's in Business Administration program, Todd finally had the confidence and tools to open his mortgage brokerage. Todd started Brightwire Loans as a solo NJ loan officer, and has grown the team to six people. As Brightwire's President and one of New Jersey's top 50 home loan officers by sales volume, Todd combines his analytical engineering background, his love of business, and his genuine desire to help New Jersey families achieve homeownership. Todd enjoys maintaining relationships with clients from the first client pre-approval phone call to family barbecues years after the original closing.

Areas of Expertise

Competitive NJ Markets Appraisal Waiver Programs Conventional, FHA, and VA Loans Refinance Expert Self-Employed Mortgage Loans Non-Contingent Offer Strategies Bridge Loans Cash-Offer (Refi Later) Strategy First-Time Home Buyer Grants Down Payment Assistance DSCR Loans VOE Loans Profit and Loss Loans No Income Loans Asset Based Loans Non-QM Loans Commercial Loans Mixed-Use Loans Home Equity Loans HELOC (Home Equity Lines of Credit)

Schedule a Consultation Email Todd Bio

Christa Lopera

Loan Officer & Mortgage Advisor

Licensed NJ US Army Veteran Top 100 NJ Loan Officer

As a proud U.S. Army veteran with more than a decade of experience in the legal and law enforcement field, Christa combines discipline, attention to detail, and a passion for helping others. Christa helps her clients and referral partners navigate the mortgage process with confidence. Christa was a Brightwire client when she relocated her family of four from Nevada in 2017. Christa recognized there was something special about this small mortgage brokerage and eventually applied for an open mortgage loan processor position in 2020. Christa has been recognized as one of the top 100 Independent Mortgage Loan Officers in New Jersey by volume in 2025. Christa has also been nationally recognized as a top Veteran Affairs (VA) Loan Officer. Christa is dedicated to educating New Jersey first time homebuyers and building relationships that last years after the original closing day.

Areas of Expertise

VA Loan Programs First Time Homebuyer Programs Conventional and FHA Loan Programs Client Relationship Building Refinance Expert

Schedule a Consultation Email Christa Bio

Why Choose Brightwire

NJ Mortgage Advisors
Built Different

As an independent mortgage broker, Brightwire's loan officers offer wholesale interest rates and exclusive loan programs you simply can't access on your own.

Small Business. Big Commitment.

Personal attention from a team that knows your file and is available when you need help.

More Loan Options. More Flexibility.

Access to a wide network of lending partners and specialized mortgage programs.

Hundreds of 5-Star Reviews.

Trusted by homebuyers and homeowners across New Jersey.

Local Expertise. Real Relationships.

Deep connections throughout the New Jersey real estate community.

"I found Todd online using Co-pilot. It was a last minute effort to switch lenders because I was having issues with my previous lender. Thankfully, my lawyer verified that Todd was top notch and that she worked with him before. Todd was a no-nonsense person. He was very transparent and gave me all the options, even helped me make the decision without forcing me into one. He was there for me during closing and supported me all the way. I will definitely use Todd again, and will not hesitate to recommend him to anyone. Do not hesitate to use Todd and his team at Brightwire - they are the best in the business!"

Verified Google Review

New Milford, NJ

"Christa and the team at Brightwire are truly phenomenal. We have been clients through buying our first home and then refinancing. We were cleared to close in under 20 days, and her diligence and expertise saved us thousands of dollars! Buying a home can be stressful but we were able to fully rely on Christa due to her professionalism, quick response time and her obvious genuine care for serving her clients. It really was a pleasure working with her and we look forward to the next opportunity. Christa, thank you!"

Verified Google Review

Fairfield, NJ

How It Works

Your Path to New Jersey Homeownership

From your first client call to your keys in hand at closing, here's how Brightwire's NJ Loan Officers guide you through every step of the homebuying process.

Step 01

Get Pre-Approved

Step 02

Find Your Realtor

Step 03

Make an Offer

Step 04

Select an Attorney

View the Full NJ Home Buying Guide →

Expert Home Loan Officers Serving All of New Jersey

Finding the right mortgage loan officer can make all the difference when buying or refinancing a home in New Jersey. As a mortgage broker headquartered in River Edge, NJ, Brightwire combines personalized guidance with access to 25+ wholesale lending partners, helping clients explore loan options and pricing that may not be available through traditional banks and credit unions.

Our local relationships are one of our greatest strengths. We've built a trusted network of realtors, attorneys, title companies, and insurance professionals throughout New Jersey that helps create a smoother home financing experience from application to closing.

Access to 25+ wholesale lending partners
Loan programs for a wide range of borrower scenarios
Strong relationships throughout New Jersey's real estate community to help get your offer accepted
Consultative mortgage guidance approach
Personal service from a local team that knows you and your loan scenario

New Jersey Mortgage Specialists for Every Homebuyer

Whether you're a first-time buyer navigating the pre-approval process, an experienced homeowner looking to refinance, or a veteran eligible for a VA loan, Brightwire's NJ mortgage specialists have a program for you.

Brightwire's mortgage advisors regularly help New Jersey buyers compete against all-cash offers, structure appraisal-waiver strategies, and secure financing in as little as 20 days - a critical edge in the NJ market.

Conventional, FHA, VA, and non-traditional loan programs
Self-employed programs with no tax returns required
Strategies to get your offer accepted in a highly competitive NJ seller's market
Guidance on attorney review, home inspection, and closing
NMLS# 1074453 - Licensed by the NJ Dept. of Banking and Insurance

Loan Programs

NJ Mortgage Programs for Every Borrower

Our Top NJ Loan Officers have expertise in a wide range of mortgage programs. We help engineer the lowest mortgage payment and closing cost combination for every unique borrower scenario.

Conventional Loans

Our most popular loan option, offering flexible down payment choices, competitive rates, and financing for primary residences, second homes, and investment properties.

FHA Loans

Designed for borrowers with lower down payments, credit challenges, or unique financial situations. FHA loans make homeownership more accessible. Brightwire will help determine if an FHA loan is the right fit for your goals.

VA Loans

Designed for eligible veterans, active-duty service members, and surviving spouses, VA loans offer exceptional benefits including no down payment and no monthly PMI. Brightwire will help you maximize the home loan benefit you've earned.

Non-Traditional Loans

Creative financing solutions for borrowers who don't fit conventional lending guidelines, including self-employed borrowers, cash-paid workers, retirees, and more.

No Income Doc Loans

For qualified borrowers with substantial assets, No Income Documentation loans eliminate the need to verify employment or income.

Refinancing

Lower your monthly payment, shorten your loan term, and/or access your home's equity for cash-out. Brightwire will help you evaluate your options and determine if now is the right time to refinance.

Ready to Get Started?

Talk to a New Jersey Loan Officer Today

Todd and Christa are ready to answer your questions, run your numbers, and get you moving fast in the NJ market.

Get Started Today Call Our Team

NMLS# 1074453 & 869718 · Licensed by the NJ Dept. of Banking and Insurance · 837 Kinderkamack Rd, River Edge NJ 07661

5-Star Google Review for Brightwire:

“My loan was cleared for closing in only 12 days and I skipped two payments.
The whole process could not have gone any smoother/better!” - Teaneck Resident