Todd Biltucci

With 30 years of experience originating mortgage loans and a client base that now includes second and even third-generation borrowers, Todd Andrew Biltucci is one of the most tenured mortgage loan officers in Burlington, Vermont. A Branch Manager at Synergy One Lending, NMLS #1907235, NMLS #91863, Todd serves self-employed borrowers, first-time buyers, and move-up families throughout Vermont. He studied at both Champlain College and the University of Vermont and has built his practice on responsiveness, knowledge, and the kind of long-term relationship that only comes from three decades of showing up seven days a week.

Todd is available seven days a week. That is not a tagline. It is how he has operated throughout his career, and it is the thing clients in Burlington and across Vermont thank him for most consistently. In an industry where communication often slows after the application is submitted, Todd moves in the opposite direction. He responds quickly, stays available through the weekend, and keeps clients informed at every stage of the process.

The clients Todd works with most often are self-employed borrowers and business owners, a segment that requires more technical work than a standard W-2 file. Self-employed mortgage financing in Vermont involves careful income analysis, tax return review, and in many cases alternative documentation structures. Todd has spent 30 years developing the expertise to navigate those files cleanly and get self-employed buyers to the closing table in Chittenden County and statewide across Vermont.

What motivates Todd is straightforward: this is the largest financial investment most of his clients will ever make, and he takes that weight seriously. After 30 years, the reward is not just the closing. It is the second phone call, a decade later, when a former client’s child is ready to buy their first home. Todd has had that conversation. He has also had it a third time.

Todd Andrew Biltucci serves buyers throughout Vermont. NMLS #91863. Reach out to start a conversation about buying or refinancing in Burlington or anywhere across Vermont.