Carolina Callaghan

Carolina Callaghan

VP, Mortgage Loan Originator NMLS #97328

4.94
110 reviews

Carolina Callaghan's financial expertise is built on 18 years in the mortgage industry. Her extensive mortgage underwriting knowledge ensures client transactions are seamless and efficient. She tailors products to meet the unique goals of each client.

With Carolina, you can expect a mortgage financing experience defined by dedication, honesty and integrity. Whether you are refinancing a mortgage, buying a vaction property or purchasing for the first time, you deserve a smooth, professional and personable transaction.

What my clients say

"Carolina and her team are very profesional and make the purchase of my house easy and stress free! \nthank you "

German C.

thelenderlist

Great comunication and guidance to upload the the paper word you guys have an excellent team

Obdulio R.

encompass

None all is very nice thank you for

Juan D.

encompass

It was great

Melvin C.

encompass

She always answered my questions and concerns and helped me a lot.

Gladys P.

encompass

Everything was great.

Katherine V.

encompass

Carolina is an expert at what she does. Dependable, knowledgeable, pleasant to talk to. She explains everything! She is outstanding! My husband and I were so happy to have her navigating us through this mortgage process!! Thank you Carolina!

Raffelina A.

encompass

Great job five star ⭐⭐⭐⭐⭐ I will definitely contact her again when I buy my next house 🙏🙏🙏

Yeison B.

encompass

Carolina was very knowledgeable and responsive, answering all the questions.

Yuliia A.

encompass

Had a great experience with Carolina. Very professional.

Suarlin 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 rate mortgage is as low as 6.375%. Get a personalized quote in just a few minutes.

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

Question Illustration

Have a question?

ccallaghan@totalmortgage.com

(646) 261-2541