Richard Breed photo

Richard Breed

Branch Manager/Vice President, Senior Mortgage Banker | 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


Richard was awesome! He made sure he explained everything to me so I understand clearly each step of the entire process. Richard was also very patient, and was available whenever I had questions or needed any clarifications. I am really happy that I worked with Richard while buying my first home. Great experience.

Alexis Velezis


Richard is very experienced and very enthusiastic about what he does. He gave great advice and I don't think we'd be in the house we are now without his help!

Alicia Marie Kravies


Prompt and consistent communication. Always willing to answer questions and discuss concerns. Provided overview of the process and outlines milestones/deadlines clearly.

Ashley Lynn Malec


Communication skills was on point, understanding, helpful, good customer service, everything was quick and easy to understand., Thank you Richard .

Flovia Kimone Ellis


Overall communication was amazing and will come out his way when not at work during business hours to follow up on a home that I was interested in.

Joseph Alberto Cruz


Rich and his team was fantastic, very responsive and extremely professional! 10 out of 10 recommend!

Jessica Malenfant


Richard was very helpful throughout the process, he is so knowledgeable, I contacted him multiple times to solve my doubts. I'm so happy I worked with him.

Rosa Raquel Huivin Rodriguez


Richard and his team was a phone call or an email away from every concern I had❤️ They never hesitate to answer my questions 🤗

Kavia Riley


Richard's assistance was invaluable. Being a first-time home buyer, I felt quite daunted by the process. Nevertheless, Richard meticulously elucidated every aspect of the mortgage procedure and patiently addressed all my inquiries, ultimately making the initially intimidating process appear straightforward.

Abishek Chandrasekaran


Richard and his team are so helpful and literally guided us through the process with no problems at all thank you again for your unparalleled service!!

Ashley Kinney


Focus on the move, not the mortgage.

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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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