Update: Total Mortgage is still closing loans during the government shutdown.
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Thomas Bepko

Sales Director

NMLS# 202157

about me

Thomas began his mortgage career in San Francisco, California in 2003 after serving in the United States Army. Thomas has over 10 years in the mortgage industry with extensive focus on Home Buyers specializing in Purchase transactions. Whether it’s refinancing, pre-approvals, purchasing a first home, second home, or investment property, Thomas will structure and close your loan with pure professionalism. Thomas currently resides in Fairfield, Connecticut where he has a huge local network of referral partners.


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

From beginning to end Thomas was detailed, professional and diligent! His team and colleagues are extremely hard working, the team as a whole moved us through the process in the most efficient way! I am so happy I chose Thomas and his team to work with. A+ and 5 stars all the way!

Matt H.

Just wanting to THANK all of you for the best experience! I have told you before that over the years we have bought several properties and the entire mortgage procedure was a NIGHTMARE! We want to thank each and every one of you for your professional excellence but also for the personal touch. Jerry and I are very excited about this new home and moving into another phase of our life. This home meets all of our needs emotionally - financially and physically. I know you can say "we were just doing our job" it may be true but you need to be acknowledged for doing it well - continue in this manner and you will be greatly rewarded. Our old home will be on the market March 15th and hopefully will sell in a timely fashion. We will encourage any and all but of course our potential buyer to utilize your services. If in any way we can support your companies services and get the word out - DO NOT HESITATE to ask!

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Kate & Jerry S.

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.

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