Thomas J. Bepko III photo

about me

In 2003, I began my mortgage career in San Francisco, California after serving in the United States Army.

Over the next several years, I developed a skill and passion for helping people purchase homes with the best financing plan possible.    

Then in 2012, I joined Total Mortgage as a loan officer and quickly excelled there, playing a key role in opening their first true retail branch in Fairfield, CT.

My high-energy work style and dedication to my clients continued to serve me well, leading me to my current role as Executive Vice President of Sales. 

With over a dozen outside branches and many more loan officers under my wing, I take great pride in making sure everyone has the support needed to thrive in today’s ever-changing mortgage industry.  

If you’re a loan officer who is thinking about making a move to somewhere better, please don’t hesitate to reach out; I am always looking for new talent to bring onboard and would be happy to discuss the details with you. 


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


Thomas was a pleasure to work with on the re-finance of my home. Thomas was very responsive, was always there to answer my questions and gave me great comfort through the entire process that he had my best interest at heart. Thomas provided great communication through the entire application process as well as up to and through the closing process. He gave great advice on the best mortgage plan to meet my needs and finances. I rarely had to reach out to Thomas as he kept me updated and was always working to get me the best deal and workable solution. Thomas told me from day one that "we got this" and he did.

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Anthony A.


Thomas and his team are absolutely top notch. From ease of paperwork to getting the best rate locked in, it couldn't have been a smoother process. HIGHLY recommend.

Matthew R.


Thomas makes buying a home very quick and easy. His team and him respond quickly and promptly. They handled my purchase and was also helpful in find great rates on home and auto insurance as well. Great one stop shopping. I highly recommend Thomas to anyone buying a home.

Jeffrey L.

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