Stephen McFarlin

Stephen McFarlin

Senior Mortgage Banker NMLS #38922

4.88
71 reviews

Steve McFarlin began his career as a loan originator in 1993 with Hamilton Mortgage, quickly beoming the top producing originator and ultimately the sales manager in 2004. In 2006, Steve joined with Kerry Roskelly to form his own mortgage company, Phoenix Financial. After the retirement of his partner, Steve made the move to Total Mortgage in June 2014. Steve has closed over 2600 loans in his 21 year career and has always focused on loans for the self-employed borrower. He currently lives in Brookfield with his wife, Patricia, and his 2 daughters, Mikhaela and Victoria. He coaches girls soccer and basketball and is very active in his church community.

What my clients say

Steve was extremely professional and took charge of the ball and got us to the goal line.He was very much in touch with us constantly. We needed to get a few promise of mortgage due to being outbid on a few homes. Every one of his associates I had the pleasure of working with were excellent

Anthony W.

zillow

Excellent communication along the whole process. Clear explanations and rapid Pleasant service.

Janice M.

encompass

The entire McFarlin team; e.g. Steve, Adam, and Lauretta...all terrific on the process steps, actions and followup. My closing attorney complimented Lauretta in particular on her diligence and follow up. Adam was patient, answered all my questions in a clear and understandable fashion. Steve - Known and worked with him for 33 years. That speaks for itself! Again..appreciate all your help in allowing Jan and I to thread the needle on the mortgage end in selling and buying our Ridgefield home. Best.....Jan and Al Spinell

Alfred S.

encompass

It was a seamless experience working with Steve from pre-approval to closing. He was very prompt in responding to the questions. He left no surprises during the whole process.

Rafi M.

zillow

Continual, immediate communication for a smooth transaction with my clients.

Lynn P.

encompass

From the moment I reached out to Steve, all the way through closing, it felt like Steve was at an arms length away. Always quick to respond. Always answered questions.

Gerardo L.

encompass

Responsive, efficient and organized!

Kelly S.

encompass

Steve was quick to respond, regardless of day or time. He is also super knowledgeable, answering all of my questions.

Anthony M.

encompass

Your local expert

Wherever you're located, I'm here to help.

Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.250%. Get a personalized quote in just a few minutes.

Above rates last updated December 29th 2025, 4:30pm EST.

Question Illustration

Have a question?

smcfarlin@totalmortgage.com

(203) 241-4095