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Anne Marie Concemi photo

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

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Anne was amazing to work with. She made this transaction go as easy and as smooth as possible while being under tight time constraints. She was straight forward with all information so we could make the best-informed decisions. I will highly recommend Anne and will definitely use her in the future!! Thanks again Anne for all you have done!

Lauren Fitzsimmons

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Up front with advice and on what types of loans available. Also educated us on some personal finances. Didn’t try to lie to us or promise things that couldn’t or wouldn’t happen!

William Page

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Anne was very supportive and reassuring that it would go smoothly. She removed ALL the stress and made it easy. So greatful

Lynn D Turchi

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Anne was wonderful! This is our second time using Anne and I can’t recommend her more! She is very knowledgeable and straight to the point. Every time we had a question or needed information, Anne was always available, no matter what. Thank you so much for making our dream home become a reality. We couldn’t have done it without you!

Matthew David Gallagher

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This is my 4th mortgage thru Annie… That alone should be proof or my trust, loyalty and extreme pleasure dealing with her and her colleagues ❤️

Patricia Alartosky

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Anne helped us through the process with some great advices which enabled us to choose the right loan for us.

Gideon Kojokaru

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Extremely kind and helpful throughout the whole home buying experience, especially for a first time home buyer!

Andrew P Panagiotakos

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Anne was amazing through the entire process of buying our first home. She was always available to answer all of our questions, no matter how big or small. We truly couldn't have gone through this without her and her team, and we are extremely grateful for their support and knowledge!!

Mary-Katherine G Palmerino

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Quick, seamless, professional, reliable. I could go on all day! I am now a 4 timer with Annie over 22 years! She is the reason I never stray 🤗

Patti Alartosky

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Anne is an absolute pro and we loved her hands on approach to our mortgage needs. We felt so supported through the entire process!

Joshua J Waters

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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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