Thomas J. Bepko III

Thomas J. Bepko III

Executive Vice President of Sales NMLS #202157

4.91
190 reviews

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. 

The Total Mortgage Team is simply the best! From start to finish, the entire process was smooth, simple, and effortless. Every member of the team was professional, knowledgeable, responsive, and committed to making sure everything stayed on track. They truly run like a well-oiled machine. Communication was excellent throughout the process, and I always felt informed and supported every step of the way. What could have been a stressful experience was made easy because of their expertise and dedication. I am beyond happy with my experience and grateful for all of their hard work. If you are looking for a mortgage company that delivers outstanding service and results, I highly recommend the Total Mortgage Team. Thank you for helping make my homeownership journey such a positive one!

Delroy B.

google

I had a great experience working with Total Mortgage. Their team was extremely supportive and responsive and made very helpful advice throughout the process. They made what could’ve been a stressful experience feel easy and smoother. I recommend working with Total Mortgage.

Roxana G.

google

Spoke to about six lenders when getting ready to purchase my first home. It felt impossible to navigate being self employed. When I found Thomas all that confusion came to an end. He guided me step by step through the pre approval process. When it came to start looking at houses Thomas and his team at Total Mortgage were able to get pre approvals on specific homes in hours at times which blew me away and put me ahead of the pack when there were multiple offers. When we found and pulled the trigger on our home we found something absolutely perfect. Honestly better than we thought we’d be able to afford or attain. Once the offer was made the full approval process moved so fast. Communication was insanely easy. They were the only people in the process that felt like they were really on our side. I really appreciated how fast we got answers and solutions. They clearly are well organized because they never missed a beat on any question. Big thanks to Thomas and the crew at Total Mortgage.

Brian F.

google

Tom Bepko carefully took us through every step of the mortgage process. Every detail was clear and whenever there was a document to sign we received a specific notice so that everything happen on time and was executed in a timely manner. As a “mature” couple one might think we should have been shopping for a condo. Tom listened to our wishes and helped us find the house we desired. Without a doubt, Tom gets at least 5 stars 🌟🌟🌟🌟🌟

Patricia P.

zillow

Spoke to about six lenders when getting ready to purchase my first home. It felt impossible to navigate being self employed. When I found Thomas all that confusion came to an end. He guided me step by step through the pre approval process. When it came to start looking at houses Thomas and his team at Total Mortgage were able to get pre approvals on specific homes in hours at times which blew me away and put me ahead of the pack when there were multiple offers. When we found and pulled the trigger on our home we found something absolutely perfect. Honestly better than we thought we’d be able to afford or attain. Once the offer was made the full approval process moved so fast. Communication was insanely easy. They were the only people in the process that felt like they were really on our side. I really appreciated how fast we got answers and solutions. They clearly are well organized because they never missed a beat on any question. Big thanks to Thomas and the crew at Total Mortgage.

Brian F.

zillow

The most important thing for us was the knowledge you and your staff had for the entire process. Your help and assistance enabled us to provide the information you needed and allowed us to complete the paperwork for each step in a timely manner. In a few words , you made it easy.

Kenneth P.

thelenderlist

Oh my God I can’t thanks Nathali and Ray enough for the patient they have with me Thamas also.total mortgage I’m proud of your teams.I want to say thank very much for your help.I will continue to refer my friends .

Jhislaine D.

thelenderlist

Thomas was an outstanding lender throughout the entire process. He was always available to answer my questions, share valuable insights, and offer thoughtful advice when I needed it most. He made everything feel seamless and stress-free, which I really appreciated. Most importantly, I always felt that he genuinely had my best interests in mind.

Austin L.

zillow

Natalie and Kimberly were thoughtful, responsive and thorough. The portal was incredibly easy to use, uploading docs was simple and efficient. The team kept me posted every step of the way, and I couldn’t be happier with the services they provided! They made a potentially stressful process smooth and simple. Highly recommend!!

Jessica S.

thelenderlist

Exceptional service! We were guided through each step and response to our inquiries were prompt!

Cresida R.

thelenderlist

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