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


Anne made herself available at all times and helped us through the process to close quickly on our house. We use her all the time because of her expertise.

Derek Paul Holmes


Anne Marie Concemi is an exceptional mortgage broker who I have worked with for over 20 years. She and her team exceeded my expectations in every way. She was knowledgeable, thorough, and incredibly patient throughout the entire mortgage process. She took the time to explain every step of the process in detail, ensuring that I fully understood all of my options. Anne Marie's professionalism and attention to detail were evident throughout the entire process. She worked tirelessly to secure the best possible mortgage for my needs and I couldn't be happier with the outcome. I would highly recommend Anne Marie to anyone looking for a dedicated and knowledgeable mortgage broker who truly cares about their clients.

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Julie M Sullivan


Anne and her team made the lending process pretty seamless and comfortable. Anne was quick to reply to questions and concerns as well as provide us with helpful tools throughout the process. Total Mortgage really makes you feel that your loan is getting the personal attention one would hope for and not that just another loan feel as with some large mortgage companies. I would recommend Anne and Total Mortgage to anyone I know looking to buy a home.

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Shane Anthony Lemieux


The whole process was very smooth thanks to Anne Marie and her team! We couldn’t have done it with our her!

Nicole M Stewart


Anne was very kind, responsive, and helpful with my mortgage process! I would highly recommend her to anyone! Thanks so much Anne!

Erin E Henrick


Anne was great to work with. She made sure we fully understood the process and replied to all of our questions in a timely manner!

Lauren McDonough


Annie went above and beyond staying in communication through the process. Her and her team stayed in communication with us and the real estate agents and closing attorneys and really made it very easy for us to buy our home.

Sean Patrick McDonough


Annie was great! She always is! Got the refinance started and closed in 2 weeks after other mortgage companies were taking months. Love working with her!

James Robert Daigle Sr.


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


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


Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

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*Terms and conditions apply. For complete details click here

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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