Charlie Masse

Charlie Masse

Branch Manager/VP, Mortgage Loan Originator NMLS #23120

4.92
297 reviews

For more than 30 years, Charlie has built a reputation as The Mortgage Educator — the professional clients trust when they want straight answers, clear strategies, and a mortgage plan that won’t fall apart when it matters. With over 7,000 closings, he has guided buyers, investors, and homeowners through every market and every type of loan scenario.

Each year, Charlie leads dozens of seminars on renovation loans, credit, qualifying strategies, reverse mortgages, and advanced mortgage planning. His mission is simple: educate first, simplify the process, and make clients feel confident from start to finish.

Charlie and his award-winning team have been recognized year after year, earning him 15 consecutive years in President’s Club — a reflection of both high production and deep client loyalty.

His philosophy is uncomplicated:
“Treat every client like family — the results speak for themselves.”
And they do: more than half of all new clients come from past clients and referrals.

Work with Charlie and you’ll get more than a mortgage.
You’ll get a guide, a strategist, and a partner invested in your long-term success.

What my clients say

I'm officially a homeowner and I couldn't be more excited. I have to say, working with Charles, JR Torchon, Pat Frazier and the Total Mortgage team was a genuinely great experience. From pre-approval all the way through to closing day, you kept me informed, moved quickly when deadlines were tight, and made what could have been a very stressful process feel manageable. The turnaround on documents and the responsiveness whenever I had questions really stood out. This was my first real estate purchase and you made it a smooth one. I'll absolutely be recommending you to anyone in my network looking for a lender and when it's time to expand the portfolio, you'll be my first call. Thanks again to you and the entire team for everything.

Rexler N.

thelenderlist

Charlie Masse and Kristyn Brockett really helped me through the whole process. This was our first mortgage and home purchase and we had a significant lack of knowledge but they answered any and all questions! Really took the time to be careful through the process too. Couldn't have been easier!

Adam W.

thelenderlist

Extremely professional. Charlie made the process super easy!

Ismael J.

thelenderlist

The process went smoothly and received great care from Charlie and Kristyn !! Number 1 in my book. Highly recommend them!!

Teresa F.

thelenderlist

This is our second time working with Charlie, who was super patient explaining the process to us, willing to help figure out the best plan and the process was extremely smooth!

Brooke M.

thelenderlist

As always Charlie was great to work with. Great experience. This is the third or fourth time using him. Highly recommend him to anyone!!!

Erik G.

thelenderlist

Charlie is one of the best lender i every met he n his team make my home buying so stress free n do help I would give him 1000 out of 1000 rating any one lookin for the best lender hit Charlie from total mortgage he so peaceful n help full he will always be my number 1 lender

Davya I.

thelenderlist

Charlie was great to work with throughout the mortgage process. He was very responsive and kept us informed every step of the way, making sure we always knew what to expect. His communication and professionalism made the process much smoother.

Brian R.

thelenderlist

My loan officer was excellent, he took the to work with me throughout the process especially as a first time home buyer. All the staff members are knowledgeable and understanding and they do return calls and respond to emails in a timely manner.

Simone T.

thelenderlist

Very timely service, great team, great communication. I have been using TM a few times for my own loans and I refer others as well. Charlie Masse and mortgage force team are highly skilled and professionals.

Jose R.

thelenderlist

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Above rates last updated May 28th 2026, 12:30pm EST.

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