Manny Gomes - Loan Officer

Manny Gomes - Loan Officer I am a VP of Mortgage Lending at Total Mortgage
Equal Housing Lender
NMLS ID: 105339
Total Mortgage NMLS ID: 2764 NMLS ID: 105339

CT's highest reviewed Loan officer on Zillow!

Keys delivered. Dreams unlocked. Just closed!
04/28/2026

Keys delivered. Dreams unlocked. Just closed!

New terms, fresh start.
04/23/2026

New terms, fresh start.

A better loan, a better plan.
04/17/2026

A better loan, a better plan.

04/14/2026

I wanted to share a recent scenario that really highlights the value of staying connected with past clients and thinking beyond just lowering a monthly payment.

I reached out to a previous client after noticing that interest rates had dropped by more than 1% from when she originally purchased her home. Rather than assuming the goal would be to simply reduce her payment with a new 30-year loan, we took a deeper look at her current financial picture. She had made great progress since her purchase. Her income was stable, debts were well-managed, and she was in a strong position overall.

Because of that, I presented an alternative option: refinancing into a 15-year mortgage while keeping her monthly payment roughly the same as what she was already paying. This approach wasn’t about short-term relief, it was about long-term gain.

We took the time to walk through both scenarios side by side: a new 30-year loan with a lower payment versus a 15-year loan with a similar payment but a much shorter term. Once she saw the total interest comparison, the difference was significant. By choosing the 15-year option, she’s on track to save close to $200,000 over the life of the loan.

More importantly, she felt confident in the decision because she understood the “why” behind it.

Moments like this are a great reminder that refinancing isn’t always about lowering payments. Sometimes, it’s about helping clients build wealth faster and make smarter long-term financial moves based on where they are today.

Smooth process, happy outcome.
04/10/2026

Smooth process, happy outcome.

Another homeowner set up with a smarter financial strategy! Lower monthly payments and a little more breathing room each...
04/09/2026

Another homeowner set up with a smarter financial strategy! Lower monthly payments and a little more breathing room each month.

14 years straight. The mission: show up for my clients every time.Proud to be recognized again as a 2026 Scotsman Guide ...
04/03/2026

14 years straight. The mission: show up for my clients every time.
Proud to be recognized again as a 2026 Scotsman Guide Top Loan Originator. Thank you for trusting me with your home financing journey.

03/27/2026

Another way to remove friction from an offer? Eliminate the mortgage contingency.

The mortgage contingency is the date a buyer can withdraw from the transaction if they can’t obtain financing or don’t receive loan approval. From a seller’s perspective, it introduces uncertainty.

It gives the seller greater confidence that the deal will make it to the closing table.

The result?
An offer that can look and feel a lot like cash… even when it isn’t.

The best part of this business? The people.
03/24/2026

The best part of this business? The people.

Guarding gold is a leprechaun's job. Financing your dream home is ours.☘️
03/17/2026

Guarding gold is a leprechaun's job. Financing your dream home is ours.☘️

Address

1 Post Road
Fairfield, CT
06824

Telephone

+12036732131

Website

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