Charlie Masse

Charlie Masse

Branch Manager/VP, Mortgage Loan Originator NMLS #23120

4.92
287 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

His patience and the detail in how the process

Kenneth J.

encompass

Charlie did a fantastic job. He got all of our paperwork in and mortgage set up quickly and efficiently. Gave us multiple options to choose from and went above and beyond in my opinion.

Keith B.

encompass

Charlie is always quick to answer the questions you need answers to. If he misses your call he always communicates when he will call you back! He is by far the best at what he does. Thanks again Charlie.

Deborah E.

encompass

great experience overal!!

John J.

encompass

There communication the way they explained each part of the process made it very simple and easy. You have any questions or concerns they answer it as soon as possible.

Pedro R.

encompass

you did something wonderful for me I appreciate everything you did me and my family is very happy in our new home .We couldn't be more pleased with how things turned out. we are incredibly grateful that we chose you Mr.Charlie Masse.Thank again for helping me my dream home this is such a huge milestone thanks so much an very grateful..bless..

Puma R.

encompass

charles made us feel comfortable And made us aware of everything as first time home buyers. Would recommend him to anyone looking to purchase a home.

Marie C.

encompass

Charlie is my favorite guy to work with. He always be there to support whatever you need him to do. erase.

Ralph P.

encompass

Working with Charlie an his team helping me along the way mich repect Charlie

Courtney M.

encompass

The ease of the process

Yadley T.

encompass

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Mortgage rates today

The current 30-year fixed rate mortgage is as low as 6.375%. Get a personalized quote in just a few minutes.

Above rates last updated December 13th 2025, 12:30pm EST.

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Have a question?

cmasse@totalmortgage.com

(203) 394-1595