Thomas J. Bepko III photo
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


I felt very supported throughout the entire process, and the loan team made it very easy for me to buy my first home. Thank you!

Lisa Ann Noriega


TJ goes above and beyond to help his customers. He helped me all the way through the process. I would recommend his services to anyone and I look forward to working with him in the future.



They are very helpful . They had a lot of patience. They were answering my questions on time. And definitely make me feel comfortable through the whole process. I will always be very thankful with everybody .

Irene Siguenza


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.



Always outstanding experience and expertise. A+++

Rudy Pierre


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 with us every step of the way!!

Christopher Heaney


He was with us every step of the way....

Jennifer Tsuyuki


TJ was always on top of everything, ensuring the process is quick and easy. Available at all times and answered any questions I had. Super friendly and has a great team working with him.



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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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