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 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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We literally had no idea where to start when buying our new home. We have been very anxious but Thomas encouraged us and gave us realistic expectations of the whole process. From the moment we got pre-approval and started looking for our new home to closing it was a total 8 weeks. We just closed yesterday on our 1st home. The team was amazing and always accessible. Let’s just say after the 1st call with Thomas we just knew we were going to get our home. Will definitely recommend them 100%

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Melissa Ramos


Great communication and advice how to proceed during certain steps of the process where my situation was a bit unique. Thomas and his team always had a solution.

Patrick Perino


Thomas and his team were wonderful to work with! As first time home buyers, my husband and I were super intimidated by the process, but Thomas was always around to help explain things and walk us through all the details of what to expect. The loan process was quick and Thomas and his team worked diligently to help us potentially close earlier than expected! I would highly recommend using Thomas and his team for all your mortgage needs, they are very knowledgable and pleasant to work with and made this process a breeze.

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Michelle Dunn


Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

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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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