Charlie Masse

Charlie Masse

Branch Manager/VP, Mortgage Loan Originator NMLS #23120

4.91
314 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

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Kanicha H.

google

Charlie has been working with our clients for years, he truly is the "mortage educator", as he guides our buyers through whats best for each individual purchase.

David T.

google

My experience with Charlie was fantastic. He was exceptional from the very first phone call to the day we finally met in person on the day of my closing. Throughout my entire journey, he provided me with invaluable advice that I’m happy to share with anyone who’s considering buying a house.

W H.

google

I was having a hard time getting my bank to help me when i was looking to purchase my home. Charlie was very professional, patient and worked with me until he found the best way to help me. I refinanced that same house (lower rate) with Charlie. I am recommending to all my friend needing help.

Carine K.

google

Very exceptional person to work with. He goes above and beyond to make sure you are satisfied. Would recommend time and time again. Love this company.

Juliet M.

google

I love working with Charles, we've done 3 transactions together and each one is smooth. Charles and his team are efficient, excellent comnunicators and also incredible problem solvers. They do everything they can to get my clients their homes.

Colleen G.

google

Total Mortgage services are excellent. I am well pleased with the level of professionalism that I encountered from the team, Mr. Charlie Masse, JR and so many others. They helped me through the process on getting my first home, they are knowledgeable, patient and understanding. I am encouraging any first timer to give Total Mortgage a chance.

Simone T.

google

This is the place to go for efficiency and understanding. Charlie works with all types of budgets and is a Wizard at making deals happen. I wouldn't go anywhere else. I am a client for life as is my family.

Richard E.

google

Charlie and his team were fantastic to work with and made the process easy for my buyers. I would definitely recommend him to anyone who has mortgage needs.

Teresa D.

google

Charlie is an exceptional mortgage lender. He truly takes the time to understand each h client and their needs as well as establish a relationship with them and their Realtors representing them. I would recommend him 100 times over and always refer him to my clients. Thank you Charlie for all that you do!

Jesica B.

google

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Above rates last updated July 30th 2026, 4:30pm EST.

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