CFPB calls Zillow to the woodshed
Zillow, the website known for it’s “Zestimates” is currently under fire by the Consumer Financial Protection Bureau
More than $1 billion in real estate transactions closed
Learn why clients love banking with Terry
Don't settle for less
Aren’t bankers the same? No. After graduating college, Terry entered the real estate sales field working for his father’s company in Ridgefield, CT. He later started the Ridgefield/Redding office for Weichert Realtors and was named Manager of The Year. Terry was promoted to Regional Vice President and was in charge of Westchester and Fairfield counties. In 2002 Terry moved over to the mortgage side of the transaction, helping agents close more sales. Terry has closed over $1 billion in transactions, trained 50,000+ real estate licensees and continues to earn stellar reviews from all of his clients.
Terry grew up in Ridgefield, has three daughters and is a suffering Mets Fan.
Phone
Email:
NMLS License:
22313
Why you need Terry
Terry specializes in the following:
Credit Repair
If Terry can help boost your credit, you get a better rate, or can now qualify for other programs!
Conventional Financing
We underwrite and fund our loans to sell directly to Fannie Mae and Freddie Mac – no middleman!
FHA + VA Loans
Specialty loans that could save you money.
Local Appraisers
Unlike some big banks, Total Mortgage manages the appraisal aspect and assigns local appraisers. It costs our bank more, but it protects our clients.
Refinancing
Get a lower monthly payment, or shorten your loan term. A consultation with Terry can help you with those major decisions. It might not make sense !
Cash Out Refinancing
Get cash out of your home to pay for college or other major bills.
So what are you waiting for?
Reach out with questions or submit an application to get started.
Testimonials
What my clients are saying
I thought all banks were alike. But when an issue came up, Terry stepped in and fixed it. I’ll never go anywhere else!
Client
As a REALTOR for 35 years, I have been exposed to all kinds of lenders. When I needed a mortgage loan, I went right to Terry. That says it all.
Client
Terry was with us from day one! He was thoughtful and professional throughout the process.
Richard Vincent
Great team!! 360 degree support, highly responsive, knowledgeable and manages expectations throughout the entire process
William Briggs
Working with Terry, Jessica, and the team was a 5 star experience. They were always available (including on weekends) and made a complicated process seem simple.
John Santana
Very easy to communicate with and always prompt/available when needed! Terry took the stress out of our first homebuying experience!
Paige R
Recent Posts
Check out my latest blog posts
2022-2024 CT Real Estate License Renewal Requirements
In the 2022-24 real estate license renewal cycle there are new continuing ed deadlines, new renewal fees, and a new mandatory topic.
FHA Loans - Why are they a secret?
FHA loans can make the difference between someone buying a home or renting. An FHA loan is a loan that…
Three tips to a faster approval
Many times people come to me saying how they dread the mortgage process. However, there are ways to make it…
What is risk layering?
Last week I received a call from a frustrated condo buyer who was turned down by his bank. He had…
It's time to check your arms
As interest rates start their slow climb, the attention is starting to shift back to adjustable rate mortgages. They absolutely…
Ready to get started?
Terry will focus on your mortgage so you can focus on your move. Let's get you approved!
Blended Rate Calculator
What’s Your REAL interest rate ?
Don’t let your home mortgage rate confuse you. Use our free calculator to figure out your real interest rate for your debts including a home equity line of credit, car and your credit cards. While interest rates were historically low years ago, your credit cards and line of credit could make it the perfect time to blend your payments together and save money. Find your REAL interest rate below using your credit card and home equity line balance with their associated interest rate: