Update: Total Mortgage is still closing loans during the government shutdown.

about me

I, Janet Dzikowski, have over 20 years in the lending industry. My experience has put me in touch with many people from first time homebuyers to the most complicated self-employed entrepreneurs with complex tax returns.

I have experience with conventional, FHA, VA, and USDA Loans. I work with a full range of borrowers, however, I especially enjoy working with first time homebuyers; I strive to make sure first time homebuyers are comfortable with their new home purchase and fully understand the mortgage transaction. I also feel passionately that it is an honor to assist those who are veterans or are in the service. I feel this is one way I can say "Thank you for your service!"

Purchasing a home or refinancing your existing home can be very exciting and a bit stressful. My experience with the mortgage process allows me to guide you to the result you are looking for in a smooth and professional manner. I am always there to answer all of your questions and help make your dreams come true. I consider it an honor to assist our veterans.

My goal is always the same- provide useful and reliable information so the customer can make an informed decision before entering into a real estate transaction. This includes providing estimates about the potential monthly mortgage payment for a wide range of pre-approved prices as well as estimating the closing costs and down payment so there are no surprises at closing.

After listening to the wants and needs of hundreds of customers over the years, I am able to quickly analyze the customer's situation and recommend the proper loan program to meet their goals and objectives.


Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

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*Terms and conditions apply. For complete details click here

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.

client testimonials

Janet is nothing short of amazing. She is comprehensive in her information gathering so that she has your complete file from day one. She is able to provide an actual, legitimate pre-approval, which makes you feel very confident when looking at homes. She has helped me (purchase and refinances), my family and friends with multiple mortgages and I would suggest or recommend no one else! She is wonderful!

Teresa R.

Janet is awesome! She always does what is best for you and explains everything in detail so you fully understand your mortgage. I would highly recommend Janet Dzikowski!


OMG it was a pleasure working with Janet! Although it was hard finding a house, the financing part was so easy because Janet always kept me in the loop on what documents underwriters needed and always stayed in communication day and night and I think this is how all loan officers should be! She truly made this experience worth it and EASY! Thank you so much for what you helped my family and I achieve we appreciate you and will send over as many referrals as possible because everyone needs to know how amazing you are to work with!!!

Rosemary P.

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