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about me

Charlie is known as the Mortgage Educator who brings over 27 years and more than 3,000 closings of experience. He hosts dozens of seminars and presentations each year to educate on topics like Renovations, Credit, Buyer Qualifying, Reverse Mortgages and all things mortgage.

Charlie and his award-winning team have been consistently recognized and credited for their efforts over the years, and Charlie has been distinguished as a President’s Club member for the past 7 years in a row.

According to Charlie: “The client is always first, treat them the way you would treat your own family and you will reap the rewards of a happy relationship.” It’s truly a testament to his deep relationships that more than 50% of his new clients come from previous clients!

client testimonials


Charlie was amazing. He knows what he’s doing is is on top of things through the entire process. Thank you!

Bonnie S Dunlap


Charlie was so amazing and helpful to me and my husband. He answered every question we had in a timely fashion and made himself readily available to us at all times. Charlie really made what felt like and impossible situation, possible. We are now first time homebuyers and we are forever grateful to Charlie and his team. He is highly recommended.

Andrea Graham


Charlie’s professionalism was admirable!! There was never a time that I called Charlie and he didn’t answer or quickly get back to me with a response (weekends included). I’ve had so many horrible experiences with lenders in the past that would just completely ignore me and Charlie was so reliable! Charlie, with the help of his team, helped me to close on the home of my dreams and I could not be more satisfied. I highly recommend Charlie for any of your mortgage needs. He’s just a a cool, down to earth guy that I truly enjoyed working with!

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Joyce Brown


Charlie was extremely professional at helping me step by step in guiding me with the information in purchasing my first home. As for me as a beginner he guide me well and hes very humble so i was comfortable asking any possible question i have. i will definitely recommend Charlie Masse

Andrae A Coley


What made it great, is that we get all the information we need.Everything was explained in details and was very professional.

Adriene C Coley


Charlie was willing to answer any question at any time that I had and would always get right back to me immediately if he was unable to answer the phone.

Mark Allen Spencer Jr


Charlie and his team followed through with everything they told me. Charlie was willing to answer any question at any time that I had and would always get right back to me immediately if he was unable to answer the phone. I would highly recommend Charlie for your future lending needs.



I had to communicate with Charlie multiple times in a challenging market for home buyers. He was always responsive and available and measured no efforts to assist in anything needed. When I finally got an offer accepted, Charlie’s team worked very efficiently to get the process done. Everything was done online in a timely manner and I was ready to close way ahead of the due date. I highly recommend Charlie and his team.

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Adriana Sbardelotto


Hi All Charlie was very helpful to us; we have to close a week early Charlie was able to have everything ready to go. Charlie makes himself available 7 day a week for his clients.

Ralph Phanord


After 2.5 years of trying to get getting pre-qualify to purchase a home, I found Charles and only him was able to do so, thanks to him we are able to live the American dream....

David Monroy


Focus on the move, not the mortgage.

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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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