Kirk Todd

Mortgage Network, Inc.

Branch Manager

NMLS# 12609

Phone: 603-570-6267

Mobile: 603-969-3551

Fax: 866-744-0380

Mortgage Network, Inc.

118 Maplewood Avenue

Portsmouth, NH 03801

Customer Testimonials

Kirk Todd is the best mortgage lender, we have ever worked with! He was professional, timely and made the home buying process stress free! We will recommend him to anyone looking to buy or refinance a home.

— Aaron K.

Kirk was very professional and courteous throughout the entire loan process. It had been quite some time since I had obtained a mortgage, and there had been changes to the law and qualification requirements that he articulated well. Kirk was very responsive at all times when there were questions, and had good working relationships with all involved parties.

— Aaron P.

We would not hesitate to recommend Kirk to any family or friends looking for mortgage financing. Kirk and Mortgage Network have financed (& refinanced!) three homes for us now. Again, he did everything in his power-short of making the mortgage payments himself-to make the mortgage process as painless as possible. One of the things we appreciate most about Kirk is his responsiveness and expertise. Buying a new home and moving is stressful, and putting the pieces of the puzzle together can be daunting. We truly appreciated that when we had a question or needed information, Kirk could be counted on to follow through in a timely and accurate way. That peace of mind has immeasurable value to us.

— Alyson and Tom V.

The ability to sit down face to face with someone who cares about doing a great job - that was huge. The big banks just put a face out there, but Kirk really thought about our situation and provided great service.

— Amy and Tom Y.

Kirk is counted not only as our mortgage officer but as a friend. His kindness, flexibility and knowledge made our experience flawless.

— Andrew C.

Kirk was on top of things and very professional.

— Andrew W.

My husband and I have purchased 2 homes and refinanced several times in the past 8 years with Kirk. Our first home purchase was a bit scary, but Kirk explained everything and made us feel comfortable from the very beginning! He is professional, efficient and easy to work with. I continue to hear horror stories from friends about their lending experience and I can't imagine using any other lender.

— Beth L.

Kirk and his partner Adam were terrific. As first-time home buyers we had no experience applying for a home loan, nor with the myriad of options available to us. Kirk patiently walked us through different options and was able to work out a loan plan for us that works.

— Brendan C.

We chose Kirk Todd of Mortgage Network over other mortgage lenders because his approach, to what can be a confusing and nerve-wracking process, was direct, concise, creative and extremely professional. Although we settled on a conventional 30 year fixed mortgage, Kirk offered numerous mortgage options/rates that we had not considered before settling on what was right for us. Our family would highly recommend Kirk (and Mortgage Network) to anyone looking for a hassle free borrowing experience and we look forward to future dealings with the company whether it be for refinance or a home equity loan.

— Bruce S.

I have known Kirk Todd for many years. His professionalism and expertise in the financing industry have saved me from many bad situations. Quick, efficient, and very people-friendly with upfront answers for my buyers. Local, dependable and there to answer the phone! I look forward to many more years of working with Kirk and I do not hesitate on referring folks to him. You will not be disappointed.

— Cathy Y., Real Estate Broker

Kirk was exceptional - lightning fast turnover on the sensitive issues and diligent 100% of the time.

— Charles and Diane R.

Could not have asked for a better communicator and adviser throughout this process.

— Charles F.

I would like to pause and take a moment to thank you and your team for your heroic efforts in getting this closed before our appraisal expired. We look forward to our next acquisition and would not think of going anywhere else for our lending needs.

— Charles R.

Kirk was easy to talk to about the home buying experience. He was very professional and patient, answering all of our new home buyer questions. He helped find us a great place we now call home as well as setting up a great relationship for future financing needs.

— Chelsea H.

We just closed on a second home with Kirk. He helped to make this an efficient and pleasant process. He was extremely knowledgeable not only about the lending process but also the entire home buying process and the local area. Kirk, and his team, were extremely responsive and helpful in all facets of the transaction. I would definitely recommend Kirk. Thanks Kirk!

— Chris J.

I just completed my second mortgage purchase with Mortgage Network and specifically Kirk Todd. The process was seamless and transparent, they worked to get me the lowest interest rate possible. If you are looking for a honest and seamless buying experience I definitely would recommend Kirk Todd.

— Chris S.

I have been SUPER IMPRESSED with Kirk from the beginning of the transaction all the way through! The communication has been amazing, having the commitment letter and now the clear to close WELL in advance of due dates was just above and beyond on so many levels. Thank you so much for being AWESOME!

— Cinday May G.

I was referred to Kirk from my parent's as well as a close friend. Kirk does an outstanding job explaining all aspects of a real-estate transaction. He helped me directly through all aspects of the transaction. When I closed on my first property I knew that I had made the best financing decision for me, mostly because Kirk was there to support and educate me from beginning to end.

— Colin R.

Kirk and his team were wonderful throughout the complicated process of negotiating a construction loan and mortgage. He clarified the more abstract points and kept clear lines of communication open throughout a lengthy process.

— Courtney B.

All I can say is, if you want the mortgage process to be stress-free, then Kirk is the solution. From start to finish Kirk was completely transparent on the expectations and gave clear, concise answers on all questions. I don't plan on getting another mortgage without Kirk's help.

— Craig D.

Kirk was extremely professional and helpful. I didn't need to worry about a thing. Even the dreadful turning over all the paperwork was made easy. Highly recommend.

— Dan P.

I've used Kirk for two mortgages- the first time I used him I had never owned a condo before, so I had a lot of questions. Kirk was extremely knowledgeable and helped me to navigate through the different financing options. At the end of the day I chose the option that I was comfortable with and that I wasn't overextended- ultimately paying dividends as the market went south. I then used Kirk again as I sold that condo and rolled it into a house. Again Kirk was great to work with and was able to give me an extremely competitive rate. Over the years I have referred many friends to Kirk, and would recommend his services to anyone- regardless of whether you are a first time buyer or have owned many houses, it's worth it to give him a call.

— Dan S.

Kirk is always a pleasure to work with. His expertise makes everything go so smoothly.

— David C.

Kirk and his team not only take care of every detail, they make sure you understand the process and are comfortable with it. He is efficient, friendly and a pro at what he does. This is the second time I've gotten a mortgage with Kirk.

— Denise W.

This is our 3rd refi with Kirk. As always, a job well done.

— Dennis M.

Kirk Todd was highly recommended to us. It turned out that selecting Kirk was the most critical decision in purchasing a home and put us ahead of the curve on Day one. Kirk was forward thinking and always had our best interest in mind. Highly recommend Kirk and his team.

— Don B.

Working with Kirk is a seamless process since he oversees the entire process and any needed follow up to ensure on time closing date. You always feel comfortable when working with Kirk, due to his high integrity and character, which comes through every time, on your behalf.

— Doug H.

Thank you, Thank you, Thank you! You were excellent every step of the way, patient, professional, and always responsive. I learned so much and always felt respected and supported through the crazy process of home buying. I will do what I can to promote you and your services.

— Ellen R.

Kirk is always helpful, professional and patient. He always works extremely hard to get what's best for us. We appreciate his time, knowledge and effort.

— Frank W.

Kirk took my phone call the first time I tried to reach him after being referred to him by my realtor. He remained constantly accessible through email, phone, and texting. He was even available after hours and on weekends. The service he and his firm offered in financing a new mortgage, as well as refinancing an existing one, was excellent in every way. I recommend him highly and without reservation.

— Fred O.

Thank you again for the fantastic work you did on our behalf to ensure that we were able to sell our house and buy a new one. You were able to do what two other mortgage firms could not for our buyers that allowed us to complete a sale and purchase. What you did in four days (including the weekend) that our buyers first mortgage company could not do in six weeks was miraculous. The prompt and attentive service and can-do attitude puts your team and company above all others. We are forever grateful to you and your team for the work you did for our family. Please pass this along to everyone involved and feel free to use us as a reference and this as an endorsement of Mortgage Network. We will continue to refer all mortgage business your way.

— Garret and Michele B.

As always, you did a wonderful job on our recent transaction. Your special attention to that particular deal made all the difference in the world to the ultimate success. Not many loan officers would have taken the initiative to go to the property in order to have a better idea of what we were dealing with. In this unusual situation, that extra effort and your choice of mortgage product for our mutual client made a tremendous difference.

— Ginny W., Real Estate Broker

Kirk was very patient and consistent as he worked with me for over 2 years. I'd highly recommend him to serve as a mortgage officer for any one of my friends/family. Well done Kirk!

— Greg B.

We recently used Kirk for the first time to finance our new home. We have been through the process a number of times but have never received the service we did with Kirk. He was extremely thorough, always available, extremely experienced and a terrific resource through the closing process. We unconditionally recommend Kirk. We intend to use his services in the future.

— Gregg and Anne M.

I've had the pleasure to work with Kirk Todd as my mortgage lender for close to two decades. He's handled a number of mortgages for me and my wife and even for my step-daughter when she and her family moved back to Maine after a time living in Las Vegas. I've always found Kirk to be the ultimate professional: timely; accurate; ethical; personable; and a creative problem-solver. He also has provided consultation on general real estate matters. I highly recommend him if you need a top-notch, total-services mortgage lender.

— Harry N.

We chose Mortgage Network over several competitors because Kirk seemed very knowledgeable and attentive. He did not disappoint.

— Jacob W.

Kirk and Adam were great to us. We were very happy with their services.

— James K.

This is my third time working with Kirk and his team and they have never disappointed. Every little question is not too small and is never ignored. They are always explained in depth until it is understood. He will set your life up for success!

— Jamie K.

There are countless qualities that set Kirk above the rest! He is superior. `Atta Boy` Kirk! Thank you! As long as Kirk is at Mortgage Network you have my business.

— Jared T.

Most of all, I trust you. In all the years we have worked together you have never let me down, which has resulted in very satisfied clients!

— Jeff

Kirk Todd and Adam Crowley couldn't be better to work with.

— Jennifer P.

We were connected with Kirk through our seller's agent, and we couldn't be happier with our relationship with him. The whole process was a whirlwind, but he made us feel so comfortable the whole time, helping us to understand what everything meant and what all of our options were. Kirk honestly made us feel like we were his only clients at the time. He was so responsive to every little question or concern that we had both in a timely manner and using words that he knew we would understand. On top of everything, he's the nicest guy, too! I honestly can't say enough good things about him and would recommend him again in a heartbeat. With what could have been an overwhelming and daunting process, Kirk made it seamless and painless.

— J.M.

Kirk Todd has been my mortgage person since 1991, would not use anyone else.

— Joan W.

We want to thank you for all you did to make the purchase of our dream home possible. We are incredibly grateful to be here and know it wouldn't have been possible if you hadn't committed to finding the way to make it all work out. It is a true pleasure to work with you and we will be sure to tell others about the level of professionalism and sincere personal approach you always deliver.

— Joel and Nicole J.

Kirk is terrific. Always very responsive and helpful throughout the lending process.

— John S.

Thank you for your patience and explanation of the paperwork. I greatly appreciated Kirk's attention to detail.

— Katherine C.

I've been extremely pleased with the services that Kirk Todd and Mortgage Network have provided. We've recently purchased a new home and decided to rent our previous property. The advice Kirk provided and his willingness to understand our specific situation helped us make the right decisions. Not only mortgage advice, but also some basic real estate information (rent vs. sell, negotiating advice, etc.) that helped us make the right decisions. As a result, I always felt comfortable reviewing our situation with Kirk and seeking his advice. In the past, I had dealt with other companies through telephone contact only. But, I've since realized there's nothing better than meeting face to face to review all the information and ask any questions. Kirk offered great advice, provided quick estimates and was very flexible (he even accommodated a meeting at 6AM!). Lastly, the closing costs and mortgage rates were fair & reasonable and were explicitly stated from our initial conversations there were no surprises or hidden costs. I will continue to do business with Kirk Todd & Mortgage Network and highly recommend them to anyone.

— Kevin G.

Kirk has handled many of our refinances for home and investment property and has always been top notch. We have recommended him to many friends.

— Kristen T.

Kirk is always a pleasure to deal with. He makes the process simple to meet the customers best interests.

— Lauren O. and Joel F.

Kirk was awesome to work with. He returned all my calls promptly and took the time to explain everything to me. He was friendly and professional with each interaction. I really enjoyed working with him.

— Lisa N.

I have worked with Kirk Todd of Mortgage Network for many years. I can count on my clients receiving the best product for their needs and that the transaction will be handled smoothly from start to close. His professionalism, patience, availability and highly competitive mortgage products are why I recommend him to all of my clients and friends. Perhaps the highest compliment I can give is that I work with Kirk for my personal mortgage needs!

— Liz Pruyn, Real Estate Broker

Kirk was recommended by a friend who has used him for many years and we were very pleased.

— Lynn M.

Everything was explained in easy to understand language and there were no unwelcome surprises at closing. Thank you all!

— Michael H.

You guided us through this process making it feel easy so we could focus on price negotiations of our new home purchase and getting on with the challenge of downsizing after all these years and all that implies. Once again thanks to you and Adam. Best wishes!

— Michael L.

Kirk Todd set you apart from other companies. He explained everything well and was timely and efficient.

— Michael M.

Kirk was recommended by a close friend. Since my wife and I were first time buyers, Kirk did a great job demystifying the process. We appreciated the friendly (but frank when necessary) tone, and there was always a quick response.

— Nate M.

Kirk handled both our first home purchase, and our refinance. Both experiences were extremely positive, and the ongoing communication and support we continue to receive has been invaluable as newer homeowners.

— Nicki R.

Kirk Todd of Mortgage Network was extremely knowledgeable, responsive, and genuinely easy to work with. Buying a house can be a complicated process. But Kirk was truly a strong member of our home buying team. He not only got us a great financial package, but he made the entire financial process seamless instead of overwhelming. We really couldn't have asked for a better financial partner while buying our first home.

— Noelle G. and Adam B.

Very professional. We decided to go with Mortgage Network when Kirk Todd responded with a financing estimate while he was on vacation - within 1 hour. Very responsive and helpful. Everything went smoothly and was completed in under 1 month.

— Robert A.

Thanks so much for the very smooth mortgage process in our latest transaction. I always breathe a sigh of relief when I know buyers are working with you for their mortgage. It is always a pleasure.

— Sandra W., Realtor

My wife and I have known Kirk Todd for years. His name originally came to us through a close friend. We have now worked with Kirk on three separate properties and in each case we have been impressed with his level of honesty and professionalism. In a world where the consumer is inundated with mortgage providers and exotic options, it has been reassuring to know that someone is looking out for us. In essence, matching our need with the right option. If you are interested in working with a professional that has been in the mortgage industry longer than many mortgage companies themselves, speak with Kirk, experience in this industry does make a difference.

— Sean C.

Kirk was a huge help. Always available for questions. Always prepared and able to help. Nothing but a positive experience. Kirk has been great to work with!

— Stephanie J. and Jess P.

They took care of all the details and made this very arduous task of procuring a mortgage - easy. I’m a single mom working in sales, while changing jobs in the last year made it more difficult, but they worked their magic! Thank you team Kirk!

— Susan D.

Kirk was an excellent choice. He was thorough, intelligent and really took the time to make sure I understood all documentation and procedures.

— Suzanne K.

Kirk and his team are amazing. Very knowledgeable and extremely professional team. When I had questions they were extremely prompt to return my calls and follow up with the answers and put my mind at ease. In fact, my closing was scheduled for December 27, but I wanted to be in my new home for Christmas, and they were able to move my closing up to December 15. Wow!

— Tammy J.

These guys are the Best of the Best. I started my home buying experience with a different mortgage company and had some challenges and issues... switched to these guys and it was smooth sailing!! Super professional but laid back and friendly! Made the whole process fun and exciting. Kirk and Adam are the greatest!! These guys know what they are doing and will make sure you get what you want!

— Taylor S.

Over the years and as a Manager of the Portsmouth, NH Office of Stewart Title, I have had the, opportunity to work closely with dozens of loan originators and mortgage specialists for various lending institutions and mortgage companies. Very few possess the knowledge of the industry and the numerous lending products available that Kirk Todd has gained as a mortgage lender. His level of care and customer service provided to his clients is unmatched among all loan originators with whom I work. Kirk takes the time to find out his clients' short and long-term goals and then provides them with the options that meet their precise needs. With the hundreds of loans I close in a year, I always look forward to Kirk Todd's closings as his clients are always very well educated by Kirk about the terms of their loan well before closing. It is an absolute pleasure to work with Kirk Todd, and I look forward to a long future as a part of his top-notch mortgage team.

— Thomas H., Manager Stewart Title

We were moving from out of state and Kirk visited with us at the property and also provided us with a list of local companies and contractors that could help us with our new house venture. You just can't get that kind of personal service from another lender.

— Tom E.

I have worked with Kirk for more than 10 years and during that period have made dozens of referrals to him. All of my clients have been very pleased with Kirk's professionalism. Many have commented that he has made what they believe to be a difficult process, go very smoothly. I have confidence that he always quotes a fair deal and he always gets the job done.

— William H., CPA and CFP

Welcome To Kirk's Website

About Kirk Todd

Thank you for visiting my personal website. You can access mortgage information day or night. Please search through to see if the information here can answer your questions. If not, or when you are ready to take the next step, I welcome you to call me directly to provide you with personal assistance with your home financing needs.

Mortgage Network, Inc. offers a variety of traditional and sophisticated mortgage programs that provide the best financing options available in today’s competitive market. We take the time to consult with you and provide personalized information to fit your individual needs.

Experience Extraordinary

As an experienced mortgage professional Kirk is available to provide knowledgeable information for all your home financing goals. Let Kirk help you identify the financing solution that best meets your specific needs. 

From the first time home buyer to the sophisticated jumbo borrower or an investor; Kirk will provide exceptional service with a personal touch. We will guide you through the mortgage process step by step to ensure you understand the options available to fit your individual needs. If you are thinking of purchasing a new home, investing in a multi-family property or simply refinancing your current home, call today! 

MA LIC# MLO12609

What People Are Saying

"We just wanted to let you know how satisfied we were with our experience when refinancing our mortgage. Your employees overall professionalism and straightforward manner were above and beyond what we anticipated. We always knew what was expected of us in order to close as quickly as possible, at our request. We will be sure to recommend Mortgage Network to all of our family and friends for their refinancing needs."

— Erika & Chris H.