Total Mortgage Essex St, Andover

Zach was responsive, patient and adaptable. He went the extra mile to explain as we went through a first time home buying process. And he was always friendly and easy to deal with. It made everything so much smoother.

Anne is a fantastic lender and an even better person. This is the second home purchase we enlisted Anne's help for and we will never use anyone else. She is always so responsive, knowledgable, and kind, and in this insane market, we really relied on and appreciated her expertise, guidance, and advice (which never failed us). We can not thank Anne enough for all she's done for us!!

Sam was amazing to work with and made financing my first home so easy! I was originally going to use a credit union, but they were slow and their interface was horrendous. I was so happy when my realtor introduced me to Sam. She was very responsive and great about keeping me informed through the whole process. I would recommend her and Total Mortgage to anyone!

Matt and Total Mortgage were great to work with. Communication was always incredibly simple and very timely. Matt answered every question and then some, always making us feel comfortable and secure during the process. I would absolutely recommend working with them!

As first time buyers, we were blown away by the incredible customer service and professionalism Zach Mourad displayed throughout the entire home buying process. Zach made sure that we were well-informed and comfortable with each and every step while also working alongside our Real Estate Agent to ensure a quick and easy close. Our Real Estate Agent also gave Zach a glowing review, remarking that he was a delight to work with and that she rarely works with a Lender who is so "on top of his game". We will be recommending that all of our friends and family go to Zach and Total Mortgage for their mortgage needs!

I do not recommend anyone use this company for a mortgage. I asked if we could get this done quickly and they thought they could, but set the closing for a month out saying it wouldn’t take that long. They are super disorganized. They send me request for more paperwork and statements every few days, we thought we were ready to close and THEN they realized that the loan required the water to be tested. I asked if they were familiar with the USDA rural development mortgages and they said yes. When I finally got the water test, it was another 2 weeks before I was actually approved and could close. In that time they sent me a loan application for another customer with all her personal information, including social security number. Then they sold the mortgage to be serviced by another company and failed to notify me. I got notification from the new company and asked TM if their claim was legitimate or if is was a scam. And they said yes, it was a good email, and I was expected to pay them directly the April 1st payment (AND the new company was expected to be paid April 1st too). Then they sent me notification saying that they transferred the mortgage and they had to legally notify me 15 days prior to the effective date (which they didn’t do). DO NOT GO HERE!!! Find a credit union.

Anne Marie Concemi is an absolute professional and a great person to work with. As a first time home buyer, she made the process of getting a home mortgage very easy and was extremely patient in answering all my questions! I would highly recommend Total Mortgage and Anne Marie!

Anne Marie Concemi and her team were awesome! I have worked with Anne Marie on more than one occasion and has always been an easy process. She is professional and always makes sure you are understanding the whole process! Very trustworthy!

Working with Laura B. was super easy and she made this process seem not stressful at all. She was always available to talk and answer all of our questions anytime of day. She was able to accommodate a short closing which greatly helped us win our offer. I highly recommend working with Laura if you are looking for someone to count on and who will make this process a breeze.

Samantha was truly amazing to work with. She went above and beyond to help me and made the process of buying a home so easy to understand from beginning to end. Highly recommended her and the Total Mortgage Team!