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about me

As a Licensed Mortgage Professional, Nick strives to meet the expectations of all his clients from the initial approval stages, all the way to closing. With the drastic shift in lending guidelines and financial requirements that the industry has adapted, it is vital for clients to be aware of what the mortgage process entails from a documentation aspect, and why. Nick believes that consultation is the most important piece of the puzzle in determining which loan product is most beneficial to each individual scenario.

Whether your scenario is difficult or straightforward, with extra due diligence and careful financial planning I will structure your loan to close smoothly. Nick prides himself on being available for his client’s 24/7 to go over numbers and issue updated pre-approval letters. Nick considers himself an advocate for each of his client’s files and honors his fiduciary duties at all costs.

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Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

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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.

client testimonials


Nick is a really nice guy. He always got in touch with us all the time. He's always available even it's late at night or early in the morning. He was really patient, especially with my family, who have English as second language. I recommend Nick Caparosa because he didn't let us down.

Joseph J.


It was a pleasure working with Nick, I never had to worry about anything, he was always there anytime I called and was so on top of all the documentation due dates! It was a great experience, all worry free, and you need that type of person behind you when you're buying. A grateful thank you!



Nick was a pleasure to work with; he is very knowledgeable and did an excellent job in presenting us with the various financing options and loan configurations. Nick was proactive and quick to respond to phone calls or emails. He delivered for us in an honest, clear, professional and straight-forward way. There were no surprises and we closed on time with minimal stress involved. I fully recommend Nick with no reservations.

Todd W.

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