Thomas J. Bepko III photo

Thomas J. Bepko III

Executive Vice President of Sales | Fairfield Branch

NMLS# 202157

email [email protected]
C : (808) 780-6572
O: (800) 359-1996 x-462 | F : (203) 783-5675

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. 

client testimonials


Thomas was wonderful handling our refinance! He was always available to answer questions and made the process extremely easy! I cannot recommend him enough. My family and I will absolutely be using him in the future for all of our mortgage and home purchasing needs!



Total Mortgage was a very good experience for my wife and I. They were knowledgeable, professional and helpful in securing the loan. They also liaison very well with my realtor.



Thomas was very helpful and responsive throughout the entire process. We thank him for all he has done towards our success in purchasing our home!

Franck Louis


Thomas from the beginning made sure I was taken care of. Even with every question I had he was awesome and willing to help me understand what everything!

karl w campbell


Thomas was very informative and took the time to explain the process, what I could afford and how we would work together to get there. I wouldn't have been able to buy a house without him.

Jill Elizabeth Alward


I worked with a broker before Thomas but was so confused about the process and what I could really afford. Thomas took over and everything became clear. He took extra time to explain it all to me - to tell me what I needed to do and exactly what my bottom line would look like the day of closing. He’s ONE OF A KIND and SUPERIOR to everyone else out there. I am now a happy (single mom) homeowner and would never have gotten here without Thomas!!! There are not enough “thank you’s” in the world!

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Jill Alward


Thomas is a pro, detailed, very organized and provides excellent communications throughout the process.

T Gregory Bender


The amount knowledge he shared with us from step 1 to the closing date. Made a stressful process seem like a walk in the park and we are forever grateful.

Luis Villegas


From the very beginning, my family and I have been properly guided throughout the Mortgage loan process. There are no other words to describe Mr. Joseph better known to us as Tj as a true professional. His kindness and compassion are the very least we can say about this gentleman. I have been going back and forth with other banks throughout the years but once we were recommended by the best real estate agent in the field Mr. Raymond Underwood our road to ownership began to feel real. I am thankful for our lord and Savior because I believe everything happens for a reason. He placed the entire Team on our path for guidance and support. From the Benitez family, we thank you, Thomas Joseph.

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Angel B.


Thomas and company were great from the start and glad I went with him and his team. Very professional from start to finish answered any questions and was very helpful throughout the whole process. But the one thing I appreciated the most was the transparency through it all and the ability to reach out to him and his crew with any and all questions we had and he was very patient and insightful through it all. Put this first time home buyers mind at ease. Thanks again!!!

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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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