I use Manny for all my loans, no matter where he is. Regardless of the company he is at, Manny makes the experience and has my trust.

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As a dedicated and compassionate loan officer, I bring a unique perspective to the field, rooted in my personal journey as a first-generation American. I have been born, raised, and currently live in Fairfield County, alongside my loving wife and son. My parents, both immigrants from Portugal, embarked on a courageous journey to this great country in search of a brighter future for themselves and their future children. I am eternally grateful for their unwavering determination to leave behind the only place they had ever known, arriving in a foreign land without fluency in the language, and possessing nothing but the clothes on their backs and an unshakable resolve to build a new life.
Their determination and tireless work ethic served as an enduring example, inspiring me to pursue my own dreams and passions. They managed to carve out a fulfilling life for themselves, raising my brother and me while also enjoying the well-deserved fruits of their labor in retirement, including the joy of grandchildren.
Abraham Lincoln once shared a profound insight when a reporter asked him, "What is the one thing you wish you could have given your children?" Lincoln's response was, "The one thing I wish I could have given my children would be to experience the trials and tribulations I experienced, which made me the man I am today."
Growing up as a first-generation American, I became intimately acquainted with these trials and tribulations. At the age of 15, I began my full-time work journey, driven by a desire to save money for my first car. Remarkably, that work ethic has remained a constant in my life. I even took on the challenge of balancing two jobs while pursuing my college education, graduating with a degree in Finance.
Today, I have the privilege of dedicating many hours to a career that I wholeheartedly love – helping people make informed and intelligent decisions about mortgage financing. My unique background has instilled in me a deep appreciation for hard work, perseverance, and the value of financial knowledge. I am committed to using my experiences and expertise to assist you in achieving your homeownership goals and securing your financial future. With me as your loan officer, you can count on a partner who understands the importance of intelligent financial choices and who is dedicated to helping you navigate the world of mortgage financing with care and professionalism.
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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Client Testimonials
I use Manny for all my loans, no matter where he is. Regardless of the company he is at, Manny makes the experience and has my trust.
Manny was very reliable, efficient and available whenever we needed to talk to him. He made getting a mortgage so seamless!
The process was quick and the rates were even better. Thank you to Manny and the whole team for helping us get our first home!
Manny's attention to every detail and his kind advice at every step of the proces.
Thank you very much, we were able to buy our house, thank you for all your availability and support throughout the process, and to the work team for their accompanim
Manny was always available for any questions I had
Manny made my home buying experience absolutely amazing. He communicated very effectively and did everything he could to help me achieve buying my first home which was greatly appreciated.
Manny is both personal and very professional.
Direct communication when needed
MANNY IS AN EXPERIENCED PRO. HE MAKES HIMSELF AVAILABLE AND RELIABLY COMMUNICATES TO ANSWER QUESTIONS. THE DOCUMENT UPLOAD PORTAL HE USES IS WELL DESIGNED AND CONVENIENTLY GUIDES YOU THROUGH ALL THE DOC UPLOADS REQUIRED. BEYOND ALL THE DATA REQUIRED, MANNY EXPLAINED WHAT HE THOUGHT WOULD HAPPEN WITH MORTGAGE RATES AROUND THE TIME OF THE ELECTION, MAKING CERTAIN WE UNDERSTOOD THE RISKS INVOLVED. HE ALSO ADVISED ON POSSIBLE APPROACHES TO SAVE ON TAXES REGARDING FUNDING THE CLOSING AND MORTGAGE ITEMS. WE HIGHLY RECOMMEND MANNY TO ANYONE MORTGAGE SHOPPING, BECAUSE HIS EXPERIENCE, KNOWLEDGE AND HELPFUL ADVISE WILL LEAVE YOU WITH SOLID PLANS AS WELL AS A REASONNABLY PRICED MORTGAGE.
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