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Anne Marie Concemi photo

Anne Marie Concemi | NMLS# 3527

Branch Manager/VP, Mortgage Banker | Andover, MA

About Me

Welcome to Annie’s website; you’re in great hands! Annie has helped thousands of borrowers since 1987 and is frequently asked: “How have you kept at it for so long?” It’s actually very simple – she treats each loan as if it’s her only loan. Buying a home or refinancing an existing property is the biggest financial transaction in most people’s lives and deserves a high level of attention!

Whether they're first-time buyers or seasoned investors, Annie's clients don’t deal with voice mail prompts, 9-5 business hours, or customer service reps on headsets. They deal with Annie: their own personal loan officer, 24 hours a day, 7 days a week. Her staff of seasoned processors is in constant contact with borrowers, ensuring that their clients’ loans are processed in a timely fashion. They realize that the mortgage process is nerve-wracking and the last thing they want is for borrowers to stress because they need answers and can’t reach anyone.

Success in mortgage lending is not measured by numbers – it’s measured by how many clients refer their loved ones to someone they trust. Annie and her staff are family – and they treat each and every borrower as part of the family!

Client Testimonials

What My Clients Say

"Anne and her team did an outstanding job. My wife and I couldn’t be any happier with her and her team. Securing a mortgage and the whole financial process that goes into buying a home can be daunting—to say the least. However, they made the whole process straightforward and easy to follow. It was a breeze—highly recommend!!!"

"I dealt with Anne and Stacey in the Andover office and they were both amazing and super helpful through the entire process ! Couldn’t have gotten it done with out them ! "

Couldn’t be more happy with this team of people. Very helpful and a joy to work with!

"There wasn’t one hiccup throughout the entire process. The communication and responsiveness of the entire team was perfect. I couldn’t have asked for a better experience. Annie and her team are second to none. "

I dealt with Anne and Stacey in the Andover office and they were both amazing and super helpful through the entire process! Highly recommend them !

Zack was very helpful with everything and was there to answer all our questions and ease our anxiety through the entire process!

Danielle Bartels was incredibly helpful and exuded warmth and kindness. She truly made a difference with her attentive support and gracious demeanor.

Real time communication

all the communication with everyone involved

Zack Mourad and his team at Total Mortgage made our first home-buying experience incredibly smooth and stress-free. From day one, they were attentive, knowledgeable, and always available to answer our questions. Zack walked us through every step of the mortgage process with clear communication and expert advice, ensuring we fully understood our options. The entire team worked seamlessly to get us the best deal and made the paperwork feel easy to navigate. We truly felt supported the entire time, and thanks to them, we’re now in our dream home. We highly recommend Zack and his team at Total Mortgage to anyone looking for a hassle-free, professional experience!


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