The Santos Team, Total Mortgage NMLS #49570

10/30/2026

The Federal Reserve has decided to hold interest rates steady — what does this mean for you as a homebuyer or homeowner? Understanding the impact of rate changes can help you make smarter financial decisions. Visit your website to explore expert insights on how current rates affect purchasing power, refinancing options, and long-term homeownership goals. Stay informed and take the next step with confidence.

https://thesantosteam-totalmortgagenml.godaddysites.com/f/the-fed-holds-rates-steady-what-it-means-for-mortgage-rates

10/19/2026

So excited for our new partnership 🏀⛹️‍♀️

We’re proud to announce that Total Mortgage is the Official Mortgage Partner of the Boston Celtics! ☘️🏀

What started in New England has grown into something bigger than we ever imagined, and teaming up with the Celtics marks an exciting new chapter.

Big things are happening at Total, and we’re just getting started.

Let’s go Celtics!

10/14/2026

We kicked off APEX 2026 yesterday at the UConn–Syracuse game with my friends from Mutual Security Credit Union and had the pleasure of meeting Carmelo Anthony! 🏀

Looking forward to seeing all my credit union friends today, making new connections, and enjoying another great day together.

Here is to APEX 2026! 🎉

10/14/2026

All set up and ready for APEX 2026! 🙌🏡

We are excited to be here representing The Santos Team at Total Mortgage! Looking forward to catching up with our credit union friends, making new connections and sharing how we can help their members turn homeownership dreams into reality.

We love what we do and the relationships we build along the way make it even more special. ❤️

If you are here today, stop by our booth and say hello! We would love to see you!

10/07/2026

Why are mortgage rates still so high — and how are buyers supposed to afford a home right now?

It is one of the biggest questions I am hearing from homebuyers.

The truth is, affordability today is about much more than just the interest rate. Home prices, monthly payments, down payment options, seller concessions, rate buydowns and the way your mortgage is structured can all make a difference.

And while it may be tempting to simply wait for rates to come down, there is another side to that strategy: lower rates could bring more buyers back into the market and increase competition.

So, should you buy now? Should you wait? And what can you do to make a home more affordable in today's market?

I broke it all down in my newest blog. 👇

Why Are Mortgage Rates So High? A Homebuyer’s Guide to Affordability

🔗 Read the full article by clicking on the link below:

Before you count yourself out of the housing market based on the headlines, find out what the numbers actually look like for you. You may have more options than you realize.

Why Are Mortgage Rates So High — and How Can Buyers Afford a Home Right Now?

09/28/2026

There are still spots available for our FREE Realtor Content Day! 🎥

If you have not signed up yet, there is still time! The Santos Team, along with Total Mortgage, is hosting a Content Day for Realtors at the Greater Bridgeport Board of Realtors on September 30 at 11:00 a.m.

We are making it incredibly easy for you to create professional social media content for your business:

🎥 Professional filming – We will have professionals with professional cameras ready to film you.

📝 Scripts provided – Not sure what to say? We have you covered! We provide the scripts and coach you through the entire process. You do not need to prepare anything ahead of time.

✂️ Professional editing – We take care of the editing too! Your finished videos will be sent back to you within 10 days.

We script it. We film it. We edit it. You get professional social media content for YOUR business — completely FREE!

There are still a few spots available, so please sign up and join us! We would love to have you there and help you create some great content for your business.

Email from Total Mortgage Sign Up Today We’ll Script, Film & Edit Your Content — FREE! 🎥 I am excited to share a great opportunity we are bringing to our local Realtor community to help you create pr

09/25/2026

The wedding festivities are beginning....Congratulations to Jeff and Jenna 🎉💒💍💃

09/23/2026

🚨 If you are currently under contract to buy a home or in the middle of a refinance, please read this.

The mortgage market has continued to move in the wrong direction today. Mortgage-backed securities are now down 75 basis points, which can impact the interest rate and/or pricing available to borrowers.

🔒 If you have a loan in process, do you know if your rate is actually LOCKED?

If you were quoted a rate recently but have not locked it, that same rate and pricing may not be available today.

And if you are already working with another lender, that is completely okay. If you are questioning your rate, your closing costs, or just want to make sure you are getting a competitive deal, call me for a second opinion. I am happy to look at what you have and tell you what I am seeing in today’s market.

📲 Call or text me at 203-526-9345.
Sometimes a 5-minute conversation can make a big difference.

Audra Santos | Branch Manager
NMLS #49570
The Santos Team at Total Mortgage

09/19/2026

BIG NEWS for Connecticut Homebuyers!

The CHFA Time To Own Program just got another $5M in funding this month!

Eligible homebuyers may qualify for up to $25,000 in forgivable down payment and closing cost assistance — which could make a huge difference for someone who is ready to buy but worried about the upfront costs.

And something many people do not realize… you may qualify even if you have owned a home before!

I put together everything you need to know about the program, how it works, and who may qualify.

👇 Click the image below for all the details!

Know someone thinking about buying a home in Connecticut?

Please share this with them — it could be the opportunity they have been waiting for. 🏠

Program eligibility, guidelines, restrictions, and funding availability apply.

CHFA Time To Own Is Back: Up to $25,000 in Forgivable Down Payment Assistance for Connecticut Homebuyers

09/17/2026

🏡 Buying a home? What you do AFTER you are preapproved matters more than you may realize.

That new furniture you want to finance?
Thinking about changing jobs?
Moving money between accounts?
Opening a new credit card to save 20% on a purchase?

Before you do anything — call your lender! 📞

Some seemingly harmless financial decisions can create unexpected issues while your mortgage is in process.

I just posted a new blog covering the Mortgage Dos & Don’ts every homebuyer should know before closing.

You worked hard to get this far. Make sure you know what to do — and what NOT to do — until those keys are in your hand. 🔑🏡

👇 Read the full blog below:

Mortgage Dos and Don’ts: What NOT to Do Before Closing on a Home