Carolina Callaghan photo

Carolina Callaghan

Senior Mortgage Banker | Ridgefield Branch

NMLS# 97328

email [email protected]
C : (646) 261-2541
O: (203) 783-5552 x-452

about me

Carolina Callaghan's financial expertise is built on 18 years in the mortgage industry. Her extensive mortgage underwriting knowledge ensures client transactions are seamless and efficient. She tailors products to meet the unique goals of each client.

With Carolina, you can expect a mortgage financing experience defined by dedication, honesty and integrity. Whether you are refinancing a mortgage, buying a vaction property or purchasing for the first time, you deserve a smooth, professional and personable transaction.

client testimonials


Carolina was super helpful every step of the way. Always available to answer questions. Fast to respond through email and phone communication.

Johnny Clarizio


Helped us every step of the way and the realtor was extremely helpful. Made it easier to understand the process of buying a home.

Kristian A Fernandez Ardon


Carolina was refer by a friend, and im glad I use her services, she answered all my doubts on time, always called me back and indeed I called her a lot with so many questions. Thanks Carolina, for all your help

Jacqueline E Padilla


I bought a house in 1994 - and things were very different then. A few weeks back, I found a property that I fell in love with and decided to see if it would be possible to buy it, never thinking it would happen. Well, with the help of Carolina and her associates, I found out that it was possible - that was a Monday. On Tuesday, Carolina had me pre-approved for a mortgage and on Wednesday I put in an offer that was accepted in minutes. The next day began a five week adventure in acquiring a mortgage which was NOTHING like it was in 1994. I was VERY overwhelmed with the incredible amount of detail and information that is now needed. (Honestly, I cannot believe how ridiculous some of this is considering I'm buying a single condominium and the scrutiny needed for just that was so over the top.) But, every step of the way, Carolina and her associates were right there with me. Carolina guided me - step by step. I had LOTS of questions and she or one of her associates were extremely punctual getting back to me and answering my numerous questions. I will not lie, this was an exhausting process, but since Carolina and associates knew what they were doing, they were able to help navigate me through the process and amazingly, today, a mere 43 days after my first inquiry, I have moved into my new home and am enjoying it very much. Carolina and associates were extremely skilled in getting through all the details needed. They knew the process so well it amazed me - they were ready to tackle any roadblock that came up, and there were many as the process is so detailed and complicated. Carolina is very skilled at what she does and when I talked with her, which happened on many occasions, she was very thorough in her answer and if I did not understand what she said, she explained it again helping me to understand what was needed. I was impressed at her very strong use of time when we talked - we got a lot of ground covered in a short amount of time. I liked that since there was so much to do. Again, I am not going to lie - the process was exhausting and stressful, but with Carolina and associates in charge, I had confidence that all would work out and it certainly did.

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This was the easiest process I've ever experienced with getting a mortgage. The communication was excellent, not only via email, but also by phone, especially when there were issues. The entire team was very transparent and forthcoming, and I trusted them completed. Excellent team and company!

Christine M Matthews


Great communication, was very easy to work with and all my questions were answered right away. I felt supported throughout the entire process. I definitely recommend working with Carolina.



Carolina was very professional, patient and honest in helping me secure my mortgage. Carolina took the time to explain the details. I would recommend her.

Michelle Diliberto


As a first buyers Mrs carolina was very kind and helpful always answering our questions and responding very quickly, we loved work with her :) , she explained things very easy , I definitely recommend her to My friends and family ! She help us to buy the house of our dreams and for that we always be very grateful!!



Carolina estuvo siempre atenta durante todo el proceso. Siempre respondiendo a todas mis preguntas a toda hora. Muy diligente y eficaz.

Maria I Morales Betancur


Muy satisfecha con el trabajo Carolina una mujer muy amable y muy atenta muy agradecida con su trabajo la recomendaría al maximo ♥️♥️♥️

Edy L Mendez


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about total mortgage

At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.

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