Newport NMLS# 2643781

547 Thames Street , Unit A, Newport, RI 02840

House

The selection you need at the interest rate you want.

Testimonials

My refinance was a uniquely difficult one and on a quite a short time timeline. Nick really helped me move fast on it and make it through a lot of unexpected hurdles. Highly recommend working with him!

Christian S.

thelenderlist

Testimonials

Working with Nick and his team was truly one of the best parts of the home‑buying process. From the very first conversation, they were professional, knowledgeable, and incredibly responsive. They took the time to explain every step clearly, answered all of our questions (often before we even knew to ask them), and made what can be a stressful process feel smooth and manageable. Their attention to detail, transparency, and proactive communication gave us complete confidence throughout the process. Deadlines were met without issue, expectations were clearly set, and we always felt like a priority—not just another transaction. I would recommend Total Mortgage without hesitation to anyone looking for a trustworthy, highly competent, and genuinely caring professional team. We are so grateful for their guidance and support and would absolutely work with them again.

Elizabeth R.

thelenderlist

Testimonials

Customer service

Farhan M.

encompass

Testimonials

Nick, was very patient, honest, and responsive. He always took the time to explain things and made sure we understood the process. He was a pleasure to work with.

Tyler B.

encompass

Testimonials

Nicholas and his team were available 24/7 to answer any of my questions! They made everything very easy and the entire closing went smoothly.

Audra W.

encompass

Testimonials

Nick did a great job helping us to close a complicated non-conforming loan. Very competent, easy to work with and delivered as promised. I would definitely recommend him to friends and family!

Kris K.

zillow
Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.625%. Get a personalized quote in just a few minutes.

Above rates last updated May 30th 2026, 4:30pm EST.