Anne Marie Concemi photo

Anne Marie Concemi

Branch Manager/VP, Mortgage Banker | Andover Branch

NMLS# 3527

email [email protected]
C : (978) 852-9707

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


Ann Marie answered all our questions quickly and was very easy to work with.

Cheryl Dick


She was there every step of the way and made the process so easy!! Thanks again!!

Eric J Michaud


Quick to respond, knowledgeable, friendly, and provided good advice. I can't thank you enough

Noreen Dennett


ANNE IS BY FAR THE BEST EVER! She helped me through the whole process and was there every step of the way! She truly cares about you and what you’re looking for. 10/10 thanks again Anne I appreciate everything !! 🙏🙏



Anne Marie was available through multiple channels to answers all my questions whenever I had them. Very helpful.

Elizabeth R Ferreira


Anne Marie was very communicative, smart, and helpful throughout the entire buying process. Highly recommended.

Nicholas J Vaughn


Closing expedited upon final approval was made possible by Anne Marie and Total Mortgage.

Rosemary Scalera


Excellent service

Melhem Ash


Need a mortgage service in New England? Use Anne Concemi you will NOT be disappointed!!! the process was a breeze, yep, you read that correctly A BREEZE!!

Laura Chichester


Anne and her team are exceptional. They are so easy to work with. If I didn't understand or know how to do something they were right there to guide me. The listened if I had questions. I would recommend them 1000 %.



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about total mortgage

At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.

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