What I Offer

Mortgage solutions built around your story

Every borrower is different. That's why I don't believe in one-size-fits-all loans — I build strategies that fit your life, your goals, and your timeline.

Purchase Loans

From first-time buyer programs to jumbo loans, I'll help you find the perfect path to homeownership — no matter your budget or credit profile.

Conventional & FHA loans
VA & USDA options
Jumbo & non-QM programs

Refinancing

Lower your rate, shorten your term, or tap into your home's equity — I'll run the numbers so you know exactly what you'll save.

Rate & term refinances
Cash-out options
Break-even analysis

Investment Properties

Scale your real estate portfolio with investment loan strategies tailored to landlords and multi-unit buyers.

1–4 unit properties
DSCR loan programs
Portfolio expansion plans

Consultation & Planning

Not ready to apply yet? Let's talk. I'll assess your financial picture, improve your readiness, and map out a plan for the future.

Free pre-qualification
Credit health review
Long-term strategy

Michael Colonna, mortgage professional in Milford CT

About Michael

A mortgage partner who actually listens

I've spent over two decades helping families and investors navigate one of the most important financial decisions of their lives. Based right here in Milford, I know this community — and I know the unique challenges that come with buying, selling, or investing in Connecticut real estate.

What sets me apart isn't just my knowledge of loan products — it's my commitment to transparency. You'll never face hidden fees, confusing jargon, or pressure to close. Instead, you'll get clear explanations, honest recommendations, and a personalized strategy that puts your goals first.

NMLS Licensed

Transparent Process

Local Expertise

Fast Turnaround

Schedule a Conversation

How It Works

Your path to closing in four simple steps

I've streamlined the mortgage process so you can move forward with confidence — not confusion.

01

Tell Me Your Goals

Whether you're buying, refinancing, or just exploring — share your situation and I'll listen carefully to what you need.

02

Get Your Custom Plan

I'll analyze your finances, run scenarios, and present loan options with clear pros, cons, and costs — no surprises.

03

Apply & Get Pre-Approved

With your plan in hand, we'll complete the application and secure your pre-approval so you can move forward with confidence.

04

Close & Celebrate

I'll guide you through every step to closing, answer your questions, and make sure you walk away feeling confident and informed.

Client Stories

Hear from families who found their path

Real feedback from real clients in the Milford community and beyond.

"

Michael made what we thought would be a stressful process feel completely manageable. He walked us through every step as first-time buyers and we couldn't be happier in our new home.

Sarah & James M. Milford, CT

"

I refinanced my home with Michael and saved over $300 a month. He was honest about what was realistic and never pressured me into anything I wasn't comfortable with. That integrity matters.

David R. New Haven, CT

"

As a real estate investor, I need someone who understands investment properties inside and out. Michael has helped me close on three properties now — always fast, always professional.

Patricia L. Bridgeport, CT

Get In Touch

Let's start a conversation

Have questions about your mortgage options? Want to explore what you can afford? Reach out — I'm here to help with no pressure and no judgment.

Office Address 185 Plains Rd
Milford, CT 06461

Phone (516) 477-7328

Email michael@totalmortgage.com

Office Hours Monday – Friday: 9:00 AM – 5:00 PM
Saturday: By Appointment

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Ready to own the home you've been imagining?