Richard Breed photo

Richard Breed

Branch Manager | West Hartford Branch

NMLS# 704369

email [email protected]
C : (860) 325-0801

about me

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’m consistently surveyed as one of Connecticut’s top mortgage professionals via Connecticut Magazine.

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.

client testimonials


It’s my first time buying home and I don’t know anything about mortgage he be so kind with us every time we call him for any house and ask about everything and he always answers me right away and finally I find my dream house he help and explain to me everything about the mortgage and the payment and all the details every single things he’s a great person and the way he’s talking the way how he helping thank so much

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Moayad Makid Sarah


Everything from start to finish ! From the best possible rates and terms to fast communication and always keeping me informed. No one better in the business, if you need to buy or refinance a home. Thank you

Iulia Cordos


First I have to thank monique jacobs for all her hard work patience with me she is so sweet .Monique is the one that introducing me to Richard breed her statement was he’s a good guy I’m sure you will get your house I was confident not knowing Richard the first time I spoke with him I could feel that winning in side of me the process was rough but I did it 1,2,3 thanks to total mortgage team that help me over this hurdle I can’t remember that sweet lady that have patience with me she always answers the office phone of Richard thanks much GREAT JOB WELL DONE APPRECIATE Richard Breed and is entire Team this is the winning team 🙏😆😍😍

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Erla Graham


Richard and the team made the transaction effortless. They answered all questions and had clear steps for each aspect of the process. Richard also informed me of programs that assisted in lowering my costs. Total Mortgage and Richard are excellent at the work they do.

Heather C Asch


Nothing. It's the process of going through something like this. My rating has nothing to do with the service provided by Total Mortgage.

Edmund Litos


Richard was an amazing person to work with. Besides him being responsive to all of our questions, he gave importance to all of our questions. He was very detailed, patient, and encouraging through our house purchase process. I would recommend him to all my family and friends. I will never forget our first phone call, we spent about an hour on the phone. He explained what we needed, what we could expect, the whole FHA program, he was literally an open book full of information.

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Samantha Gonzalez


Rich was available to take any questions and worked through all of the options available to get us the best mortgage he could find.

Daniel M Smith


Truly wonderful to work with. He walked us through everything and even gave us advice on which lender to go with. He was so honest and kind. I will always work with them in the future!

Alexa Megna


Everything. Professional, great communication, friendly, extremely efficient. Made the buying process extremely easy . Couldn’t of asked for anything better .

Gerard Raymond Caruso


Richard always personalizes his service for each client. He makes sure that they are in the correct product for their needs. He is patient and kind and always explains things very thoroughly.

Alton J Harris


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.

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