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Refinance Rates

Rates can change fast. See today’s options and discover potential savings on your mortgage.

Refinance Mortgage Calculator

Wondering how refinancing will affect your monthly payments? See how much you can save.

Cash-Out Refinance Calculator

See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.

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Calculators

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Blog

Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.

FAQs

Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.

Loan Products

Navigate all our loan product options and find the perfect loan for you.

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Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

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800.359.1996 servicing@totalmortgage.com

Monday - Friday | 9 am - 5 pm

Our Story

Learn more about our mission to provide local lending expertise at the national level.

Careers

Stability, growth, culture, innovation. Join our story today.

Why join Total Mortgage?

From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience.

Find A Loan Officer

See a list of our licensed Loan Officers that can help your home-buying situation.

Locate Your Closest Branch

We have branches across the country. Check to see if we’re in your neighborhood.

Buy

Apply Now

Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.

Purchase Rates

Know the rates, know your options. Start building your homeownership plan today.

Monthly Mortgage Calculator

Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.

Affordability Calculator

Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.

Refinance

Apply Now

Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.

Refinance Rates

Rates can change fast. See today’s options and discover potential savings on your mortgage.

Refinance Mortgage Calculator

Wondering how refinancing will affect your monthly payments? See how much you can save.

Cash-Out Refinance Calculator

See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.

Rates

Today's Rates

Get a snapshot of today’s mortgage rates and see how they could impact your financing plans.

Find My Rate

Get a custom rate estimate in minutes. No guesswork, just real numbers.

Resources

Calculators

Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.

Blog

Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.

FAQs

Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.

Loan Products

Navigate all our loan product options and find the perfect loan for you.

Customers

Make A Payment

Need to make a payment? We make it easy to manage your mortgage anytime, anywhere.

Lower My Payment

Even small changes can lead to big savings. Discover ways to lower your monthly mortgage payment.

Contact Us

Have questions? We’re here to help.

800.359.1996 servicing@totalmortgage.com

Monday - Friday | 9 am - 5 pm

About

Our Story

Learn more about our mission to provide local lending expertise at the national level.

Careers

Stability, growth, culture, innovation. Join our story today.

Why join Total Mortgage?

From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience.

Find Us

Find A Loan Officer

See a list of our licensed Loan Officers that can help your home-buying situation.

Locate Your Closest Branch

We have branches across the country. Check to see if we’re in your neighborhood.

Shelton, CT NMLS# 1796951

203.783.5530

jmcniff@totalmortgage.com

6 Huntington Street, Shelton, CT 06484

Shelton, CT has a rich history that dates to its founding in 1789. Originally an industrial town, it experienced significant growth during the Industrial Revolution due to its location on the Housatonic River.

The team has over 20 years of originating experience combined. We look forward to having a presence in the community and being able to better serve Shelton and the surrounding areas. Drop by or give us a call; we love having visitors!

Our Team

AJ Albuquerque

Mortgage Banker

NMLS# 2244513

Bryan Rauch

Mortgage Banker

NMLS# 1692375

James McNiff Jr

VP of Mortgage Lending

NMLS# 13292

Jason Scholz

Mortgage Loan Originator

NMLS# 2026761

Kristin Polacik

Mortgage Loan Originator

NMLS# 1536535

Tim Dawley

Mortgage Loan Originator

NMLS# 1481257

Vincent Grabowski

Mortgage Banker

NMLS# 2465495

The selection you need at the interest rate you want.

Apply now

Testimonials

Total Mortgage made our home buying experience great. We had no stress throughout the process. What we appreciate about this Mortgage company is that they act on things urgently with precision, gave us positive feedbacks whenever we had any questions or concerns. I would recommend this Mortgage company with great pleasure.

Kirk H.

Testimonials

You really worked hard and quick to get us to our first home. And the app. We used to send out documents was great way to make it easy to navigate. Thank you so much for your dedication.

Sandra B.

Testimonials

It was an easy transaction and when we had any questions or concerns the agent was there to guide us through being that this was our first time buying a home would definitely use total mortgage again

William B.

Testimonials

Jim and his team made getting a mortgage remarkably easy. I would recommend him or Total Mortgage to anyone looking to finance a home.

Alexander B.

Testimonials

They explained everything, every step of the way. It was all straightforward and no hidden surprises. Very friendly and great experience all the way around this will be the second time using total mortgage. I great job guys

Randy B.

Testimonials

accurate and clear communication as well as readily available for any and all of my questions

Hale S.

Testimonials

Jim's knowledge of the right mortgage product for my situation was impressive. Very timely response to my questions and concerns, especialky during the holiday season. His team handled complicated tasks efficiently and with due diligence.

Inez F.

Testimonials

Jim always communicated with us efficiently and explained any questions we had. He was there with us from the start to finish. Would highly recommend

Kimberly D.

Testimonials

James went above and beyond to ensure that we received the most informative and prompt service. During a process that is categorically complicated, confusing, time-consuming, and stressful, James and his team made it as seamless and simple as possible and were thoughtful and professional every step of the way. We feel lucky to have had James on our team and we would recommend him and Total Mortgage to anyone going through the home buying process!

Cristina P.

Testimonials

Jim was a pleasure to work with and was there with answers at every step of the process. Couldn't recommend Jim enough.

Kevin M.

Mortgage rates today

The current 30-year fixed rate mortgage is as low as 6.375%. Get a personalized quote in just a few minutes.

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Above rates last updated December 13th 2025, 12:30pm EST.