Anne Marie Concemi

Anne Concemi is an angel in disguise. She is the best in every sense and so good at what she does. It was such a pleasure and she made us feel like family. She made it possible for us to purchase our dream home. Cindi James is also wonderful and was so great to work with and knowledgeable also. We are so grateful!!! 5 Stars plus plus

I have bought 5 houses in my life. I’ve never had a better experience than with Anne and her team. They were MY team and made the process clear, understandable and painless. They worked tirelessly to get me what I needed.

I am an investor that has have obtained mortgages and refinances since 1998. Although there was a title issue, Total mortgage managed to close in less than 30 days. I have had many loan officers. Anne Marie Concemi is the best. I highly recommend Total Mortgage.

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 !

"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. "

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

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!

Annie makes it great! She is a true professional and we have never used anyone else in the last 10 years but Annie and Total Mortgage! The best!!!

Financing a home is a stressful experience! Anne and her team are amazing, they constantly communicated every step of the way. I never felt like a bother when I was reaching out. Just a great vibe from. Everyone.

Financing a home is a stressful experience! Anne and her team are amazing, they constantly communicated every step of the way. I never felt like a bother when I was reaching out. Just a great vibe from. Everyone.

We could not recommend Annie and her team highly enough. They were accessible, knowledgeable, and responsive throughout our entire home-buying process. Thank you!

Anne was very helpful

This is our third experience with Annie and her company. She worked diligently each step of away for us as always wouldn't go anywhere else. Thank you Annie.

Total Mortgage is a great company to work with. Their communication and customer service is the best.

Annie made the entire process smooth. She communicated regularly and kept us up to date every step of the way. I really appreciated her great customer service and great personality!

Sam was absolutely amazing to work with! She made our two-week closing seamless, answering all our questions quickly and keeping everything on track. Her friendly and professional approach made the entire process stress-free. She was always available, proactive, and ensured every detail was taken care of, making the best of what could have been a stressful timeline. Her knowledge and organization gave us so much confidence throughout the process, and we are so grateful for her support!

Annie is amazing! I have worked with Annie on a new purchased and I would never work with anyone else. Annie is an asset to your organization.

Anne and her Team did what was needed to put and keep this deal together. A lot of unexpected changes in financing and deadlines came up and they didn't once suggest anything less than assuring me they'd get it done. Lots of teamwork and caring was obvious!

After working with two mortgage lenders that had tedious issues that came up at the last minute (a week before closing..), I was so grateful to contact Samantha at Total Mortgage. She really came in with a Hail Mary for us, to the point we were able to close the next business day after we were originally supposed to with the previous lender, giving her about a week’s time to process and complete everything for us. Working with Samantha was so streamlined and easy, especially after dealing with the previous lenders and their issues, I cannot even describe the relief when Samantha took care of LITERALLY everything for us. She gave us great advice, processed everything super quickly - it was clear she was sympathetic to our frustration with the previous lenders falling through and was really there to help us. I would 100% recommend working with Samantha and Total Mortgage, they are the reason I am sitting in my new house right now! ❤️ Thank you Samantha!!

Zach was incredible to work with. From the very beginning he walked us through the process and we always know what to expect. He promptly answered any and all questions we had and was always super helpful with providing us with house estimates while we were searching so. I would highly recommend Zach to anyone looking for a mortgage.

I worked with Anne as a first time homebuyer and she was extremely helpful. She explained the whole lending process and got me pre-approvals very quickly. Once I had an offer accepted and decided to proceed, her team helped get everything together and I was able to close early!

Great communication

Great attention to detail, timely updates, very kind and patient

Everything from start to finish was easy, communication was unparalleled. I can't say enough greqt great things anout my team

The service was first rate! I am telling people constantly of Total Mortgage awesome service!

Anne was helpful and communicative through the whole process. Cindi was also very helpful in alerting me when documents were due.

Anne Concemi and her team were so helpful and professional. Made my experience a breeze!

Anne is great to work with. Always shoots it straight and will never point you in the wrong direction. I would 100% recommend to other perspective buyers.

So happy with my experience buying my first home. Thanks to Anne Concemi!

Anne was fantastic! Always available and so knowledgeable throughout this whole experience. I feel lucky to have had her in my corner and will be utilizing her expertise in the future

Zack and his team were the funnest and easiest to work with! And you don’t think of paper work being fun, but Zack was incredibly polite and positive and encouraging throughout! Very impressed at his professionalism!!

Annie was very patient with us during our purchase process - she is very knowledgeable and attentive!

Excellent experience with Anne. She stepped up when another lender was going to give me a central very negative outcome. Very patient spent time to explain the process. I can be very tense to deal with and she handled it with ease! Thank you Anne!

Everything was explained properly. I had a potential very bad outcome with another lender. She jumped right in last minute and saved the day! Thank you!

Anne Marie was amazing to work with. I constantly had questions during the process, and she was always willing to chat and put me at ease. She's incredibly friendly as well, and I look forward to working with her in the future.

Working with Zach was an extremely pleasant experience. Especially being a first-time home buyer and not really knowing what we were doing. He was always available to answer questions, explained things very clearly, and was very responsive. Could not have asked for a better first-time mortgage experience!

Anne and her team made a seemingly impossible dream into a no-doubt reality. I can't thank her enough for her diligent and honest commitment to helping me and my family secure our forever home.

Anne and her team made a seemingly impossible dream into a no-doubt reality. I can't thank her enough for her diligent and honest commitment to helping me and my family secure our forever home.

I recently worked with Samantha and had a very positive experience. She was incredibly responsive to our emails, texts, and phone calls, always getting back to us quickly. Her advice was solid and trustworthy, and she went out of her way to find answers to all our questions. I truly believe she always had our best interests in mind throughout the process. I would definitely work with her again. Overall, a great experience! Four out of five stars.

(Translated by Google) Very grateful to Total Mortage and Daniella for making our dream come true! God bless you! (Original) Muy agradecido con Total Mortage y con Daniella por habernos hecho realidad nuestro sueño! Dios les bendiga!

Annie was there for me from day one. She gave me brilliant advice about the property I was putting an offer on; she and her team were so organized and responsive; and when the deal took forever to close due to probate issues she did everything she could to make sure it worked out in my favor. She is so smart, so organized, and so funny. She made the process so much less stressful. My whole family has used her services many times and I have already recommended her to friends going through this process and I will continue to do so! Thank you for everything!

Anne and her team are AMAZING we had a complicated closing and everything when Do smoothly and we closed right on time. I will never use anybody else, but Anne and her team !!!

Anne was very helpful and patient with my questions

Zack is the best! He is so informative, always answered our questions right away, and is so kind. As first time buyers, we were so lucky to have him. I would recommend him to all of my family and friends!

Annie is simply the best! No question goes unanswered and her willingness to help is top notch! She’s the real deal 🩷

Fast. Easy. No waste of time at all. Annie helped with everything. No nonsense.

Annie made this transaction very easy, she was a pleasure to work with.

Anne was amazing throughout our home buying process! She took time to go over the entire loan process with us before we'd even selected her as our loan officer. Anne gave us detailed answers for every question and brought up potential issues that our home buyer course hadn't mentioned. We had a very short closing process and she was on the phone with us every step of the way. We'll be recommending Anne to any friends and family who are looking to buy!

Anne made the mortgage process easy to understand and was always available to answer any questions or concerns.

My experience with Annie and her team was exceptional. They went above and beyond to answer all my questions, no matter how small or what time it was, ensuring that I fully understood every step of the process. Their commitment to clarity and transparency is truly commendable. I'm looking forward to the opportunity to work with them again for my refinancing needs in the future. Highly recommend this team to anyone in need of lending services.

My experience with Annie and her team was exceptional. They went above and beyond to answer all my questions, no matter how small or what time it was, ensuring that I fully understood every step of the process. Their commitment to clarity and transparency is truly commendable. I'm looking forward to the opportunity to work with them again for my refinancing needs in the future. Highly recommend this team to anyone in need of lending services.

We had an exceptional experience with Sam as our mortgage lender and guide throughout the home buying and closing process! Her expertise, attention to detail, and dedication made the journey smooth and stress-free. We highly recommend Sam for anyone looking for a reliable and supportive partner in the home buying journey!

The home buying process can be difficult but with Total Mortgage and specifically Samantha Mourad I would do it again!

Anne and her team were very responsive. Anytime we had questions they were always available to answer and guide us in the right direction.

Our realtor connected us with Total Mortgage and they got us pre-approved the same day. We got a quote from a competing company but decided to stick with Total Mortgage because they were able to beat the quote, and they provided superior customer service. We are so thankful we made that decision! Zach at Total Mortgage made sure we closed on time and stayed within our budget.

My first closing as a REALTOR was with Bill Toohey. I still recommend him today! He is the best!

Came in at the last minute to save the day as I was close to losing the house that accepted my offer and got everything done and ready to close in a week and a half he truly pulled off a miracle

Anne and her team were incredibly patient, understanding and responsive to the situation and my questions or needs. I will absolutely refer relatives, friends and contemporaries onto Anne for any financing needs they may have.

Anne was patient and very good at educating us on what we needed throughout the process.

The attentiveness of Zack helped us understand the options we had, for each offer we put in, including our final offer. Zack was with us every step of the way and we will continue to do business in the future.

Sam was absoulty amazing and so nice to work with as a first time home buyer. Her kindness, knowledge and expertise when it comes to the mortage process and to help make it as stress free as possible. She did a very good job of making sure every step of the process went smoothly and I never felt out of the loop. She is extrodinary helpful and quick to answer when any questions come up no matter how big or small, and really stives to helps clients understand everything they need to know about their mortgage and the numbers. She did a outstanding job putting our minds at ease and makeing us feel like a priority and helping to guide us through buying our first home in a very timely manner. I was never dissapointed with her service. I would absolutly reccomend her to anyone looking to buy a house (especially 1st time home buyers). Simply the best!

We could not have had a better experience with Total Mortgage, specifically with Zachary Mourad. He made the entire process of purchasing our first home so seamless and easy. He answered any questions we had, always responded promptly, and remained patient while we navigated a difficult real estate market. He always looked out for our best interest and would crunch estimated costs with us on the fly. He was quick to adapt and quick to stay in the loop with our realtor.

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

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

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

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 !! 🙏🙏

Great buying experience with Total Mortgage. This was my 8th overall purchase with a mortgage and by far the best and simplest process.

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

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

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

Excellent service

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!!

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 %.

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.

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.

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

Great communication and educates client on all options.

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

Quick and painless experience and able to accommodate our 30 day closing period.

Quick and painless experience and able to accommodate our 30 day closing period.

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.

Great to work with.

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!

As a first time time home owner I was stressed with all this process. Cisco Montes help me feel more comfortable by being able to speak Spanish it was easier to communicate with him. He was also available at any time which it made it easier to finish this process on time and have an early closing. Total mortgage team help me find the best rate available in the market

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!

The best and easiest mortgage experience I have ever had. Painless!!! Anne was so efficient and reassuring 👍👍

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

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!

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 ❤️

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

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

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!!

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 🤗

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

Anne was such a wonderful resource through out our home buying process! From start to finish we felt supported, heard, and valued by Anne and her entire team. We feel so lucky to have worked together and love our new home!

Anne Marie is peerless in my opinion in that there is no one that comes close to her. She is extremely knowledgeable, accessible, honest and it helps that she’s fun to work with. We felt very well taken care of throughout the whole process and would recommend her without reservation to our own family and friends. She has a customer for life in us.