Nick Todaro, Mortgage Loan Officer, NMLS# 1186103

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Bethpage, NY
Nick Todaro, Mortgage Loan Officer, NMLS# 1186103

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Nick Todaro, Mortgage Loan Officer, NMLS # 1186103, Finance, 899 South Oyster Bay Road, Bethpage, NY.
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10/03/2025

Another quarter in the books, bringing my year-to-date total to $7 million funded, and my career total to $460 million.

I’m grateful for the trust that members and my referral network continue to place in me. Helping people achieve homeownership remains the most rewarding part of what I do.

06/27/2025

FourLeaf has several Mortgage Options:

- Able to lend across United States (except Texas)
- Primary, Second/Vacation, Investment/Non-Owner Occupied
- Single Family, Multi Family, Condos, Co-Ops
- Conventional as low as 3% down
- FHA as low as 3.5% down for 580+ credit
- FHA as low as 10% down for 500-579 credit
- VA Mortgages as low as 0% down
- Adjustable Rate as low as 10% down
- Interest Only as low as 25% down
- Jumbo Mortgages

Benefits with choosing FourLeaf:

- Great Low Rates & Fees
- Pre-Approval & Commitment Letters
- Quick Commitments
- Quick Closings
- Excellent Member Service
- No Prepayment Penalties

No matter where you are in your home financing journey, I am here to help you take the next step whenever you are ready.

Nick Todaro
Cell: 516-279-9163
Email: [email protected]
Website: fourleaffcu.com/nicholastodaro

05/21/2025

Sharing an awesome review on my Zillow page from a home purchase closing this month!

No matter where you are in your home financing journey, I am here to help you take the next step whenever you are ready.

Nick Todaro
Cell: 516-279-9163
Desk: 516-349-4248
Email: [email protected]
Website: fourleaffcu.com/nicholastodaro

04/30/2025

Why Preserving the Credit Union Tax Exemption Matters

Taxing credit unions would effectively mean a new tax on every FourLeaf member—and on more than 140 million Americans who choose a credit union as their trusted financial partner. Credit unions are the backbone of communities across the country. At FourLeaf, we take our tax-exempt status seriously and put it to work by delivering direct, meaningful benefits to our members and our community.

Serving the Underserved:
We open and maintain branches in underserved communities—places many traditional banks have long since abandoned.

Financial Education:
Each year, we offer hundreds of free financial literacy classes to our members, helping them make informed decisions and build financial security.

Community Investment:
Our commitment goes far beyond banking. Through thousands of employee volunteer hours and our longstanding Volunteer Income Tax Assistance (VITA) program, we’ve helped prepare over 25,000 tax returns over the past 21 years—returning more than $30 million to Long Islanders.

As a not-for-profit, member-owned institution, we return value directly to our members through better interest rates on loans and deposits compared to traditional banks. We are owned by our members, not shareholders. Our loyalty lies with the people who trust us with their financial wellbeing—and we take that responsibility incredibly seriously.

That’s why it is vital to maintain the federal tax exemption for credit unions. Removing it would not only burden millions of members with added costs but also weaken the community-focused services that make credit unions so essential.

Let’s ensure credit unions can continue to uplift families and communities—just as we’ve done for decades.

Please visit the website for more information and a quick ways send a message to your United States Senators & Representatives:

https://www.donttaxmycreditunion.org

04/17/2025

Great start to the year! Congratulations to 7 new homeowners and 1 homeowner who refinanced their mortgage!

No matter where you are in your home financing journey, I am here to help you take the next step whenever you are ready.

Nick Todaro
Desk: 516-349-4248
Cell: 516-279-9163
Email: [email protected]
Website: fourleaffcu.com/nicholastodaro

04/09/2025

This morning I attended a great panel discussion on Alcohol Use & Your Cancer Risk following a recent Truth in Medicine Poll from Mount Sinai South Nassau, sponsored by FourLeaf Federal Credit Union.

These polls test respondents’ knowledge on key public health topics. The ultimate goal is to educate the public about health issues so they can take better care of themselves and seek out appropriate medical care when needed.

04/02/2025

Feels great to see these awesome reviews on my Zillow page!

No matter where you are in your home financing journey, I am here to help you take the next step whenever you are ready.

Nick Todaro
Desk: 516-349-4248
Cell: 516-279-9163
Email: [email protected]
Website: fourleaffcu.com/nicholastodaro

03/26/2025

Great event this morning with the FourLeaf team at the 2025 Long Island Women in Philanthropy hosted by the Family & Children's Association at The Mansion at Oyster Bay.

Family & Children’s Association exists to make Long Island a better place to live, work and raise a family. Their caring and compassionate professionals offer assistance to people who are experiencing social, emotional, and economic challenges.

03/21/2025

Sharing an awesome review on my Zillow page from a recent home purchase closing last month!

No matter where you are in your home financing journey, I am here to help you take the next step whenever you are ready.

Nick Todaro
Desk: 516-349-4248
Cell: 516-279-9163
Email: [email protected]
Website: fourleaffcu.com/nicholastodaro

Address

899 South Oyster Bay Road
Bethpage, NY
11714

Telephone

+15163494248

Website

https://bethpage.com/nicktodaro

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