Richard Breed

Richard Breed

Branch Manager/Vice President, Senior Mortgage Banker NMLS #704369

4.96
462 reviews

CHFA - First Time Homebuyer Specialist

Highest Customer Service Ranking within Total Mortgage as per Experience.com
Highest ranking 4 years in a row! (Click here to see my reviews)

Highest Production Ranking for CHFA – First time Homebuyer Loans within Total Mortgage

Out of the entire State of Connecticut for CHFA- First time Hombuyer Loan production. (well over 12K Loan Officers in the State)

Number of total units within Total Mortgage

Total production within Total Mortgage

 

Welcome to my website, and congratulations on taking the first step to buy or refinancing your home. I look forward to putting my expertise and mortgage services to work for you.

If you are looking to apply for a mortgage and/or just looking to get “pre-approved” for a loan, please start by clicking the "Apply Now" button above. This will securely send me some of the required information in order to start the mortgage process and get you one step closer to obtaining your loan.

Please know that I’m here for you and ready to guide you through this mortgage process. Just remember there’s no such thing as a “stupid question” so feel free to ask away! I take pride in making sure your mortgage experience is not only a positive one but impressive enough to make you feel confident to refer your friends and family. There’s a good reason why I’ve had the highest customer service ranking at Total Mortgage for 4 years in a row!

Outside of Connecticut, I am also licensed in Massachusetts, New Hampshire, Maine, Vermont, South Carolina, Florida, and Rhode Island.

Whether you are buying or refinancing, buying your first home, or building your dream home, I can explore with you the many options for financing. Feel free to apply online, or contact me to set up an appointment. Either way, you will get my immediate and personal attention.

🏡🔑 A HUGE & HEARTFELT SHOUTOUT! ❤️ I want to take a moment to give the BIGGEST shoutout to Richard Breed and his incredible team: Bridget, Carl, Colleen, and Alexandria. I truly hope I didn’t miss anyone! 🥹❤️ Words honestly cannot express how grateful I am to have had all of you by my side throughout this homebuying journey. From beginning to end, you were there every single step of the way. You set clear expectations, kept communication open and consistent, and were always just one phone call, text, or email away whenever I had a question, concern, or simply needed reassurance. Thank you for staying on top of EVERYTHING throughout the entire transaction, for guiding me through every step, and for working so hard behind the scenes to keep everything moving forward. I know there were so many details involved, and I want you all to know that your hard work, dedication, patience, and commitment did not go unnoticed and never will. ❤️ This journey was more than just a transaction for me. It was the journey toward owning my DREAM HOME 🏡😭🔑, and I am beyond grateful that I got to experience such an important milestone with such an amazing team supporting me. WE DID IT!!! 🥹🎉🏡🔑 Richard, Bridget, Carl, Colleen, Alexandria, and everyone else who played a part in making this happen, THANK YOU FROM THE BOTTOM OF MY HEART! ❤️

Winifer T.

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Bennett W.

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Bennett W.

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Great experience, very professional and well organized. Appreciate the strong communication.

Jim C.

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Richard was an absolute gem to work with. He was efficient and attentive throughout the entire process. He and his team answered all of our questions quickly which is incredibly important in this market. He consistently went above and beyond our expectations. We couldn’t have asked for a better experience and would highly recommend Richard and his team.

Heather S.

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Richard and his team at Total Mortgage are WONDERFUL. Couldn't have had a more positive experience. 3rd (at least) mortgage obtained with them-- will never change. Thank you!

Jamey B.

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I could not be speak more highly of Richard and his team and the support they gave during our search for and subsequent purchase of our first home. Richard has a wealth of information to share and is so responsive to questions and fully transparent. Can't recommend Richard and his team enough!

Matt Z.

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Can't recommend Rich and his team enough! So responsive, so helpful, and gave me a lot of peace of mind during what can be a very stressful process. The best of the best!

Emily Q.

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James W.

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This was a very unique experience in working with a mortgage broker. Their website made it easy to upload and track needed information. They responded very quickly to every question and kept the ball rolling the whole time. I would highly recommend using Total Mortgage. They are highly professional, friendly and helped us close early.

Charles H.

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