Thomas J. Bepko III photo

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


All our questions were answered off the bat. Very personal experience. I didn’t just feel like a client.

Alexandria Eleftheri Drosos


TJ and team have been - and continue to be - courteous, enthusiastic, and diligent throughout the entire process. We couldn't be happier with the process and the outcome! Thank you TJ!

Peter Paul Drosos


Thomas went above and beyond at every step of the process to make sure I was fully informed and other parties involved were coordinated. To be blunt, without Thomas I’m not sure this deal would have gotten done.

Eric John Swanson


Thomas was fantastic. The loan application and documentation process was all automated and super easy. But what really mattered was the way Thomas kept in touch and helped move things along with the overall transaction by ensuring all parties (brokers, lawyers) were coordinating. Above and beyond my expectations. Thank you!



Clear, open and timely communication - Thomas and his team made this process a seamless experience especially considering that we completed everything remotely.

Amer Kuric


They answered every question I had right away EVEN ON WEEKENDS and made the process so seamless. They helped with every thing and work really well. As well, they explained everything. I would definitely use them again and have recommended them to my family member who is using them.

Layla Sakakini


Not only was the process quick and efficient, but Thomas is extremely knowledgeable and great at what he does. I felt informed each step of the way and no question went unanswered. If you are looking for a mortgage 100% use Thomas and his team !!! Thank you so much !!



Thomas and his team created the most efficient and hassle free home loan experience with total mortgage. They gave me a super competitive rate, and we’re ready to close in no time. Do not hesitate and call him for your next purchase.

Alexander Dominguez


Help with every thing and work really well. They explained everything and made sure you know everything. I would definitely use them again of I were to purchase another house.

Baldinvill Picart


Thomas was fantastic and easy to work with. He took care of everything quickly& efficiently. Even Under my “not so ideal circumstances” and tough market for buyers he was able to get a pre approval right away. Him and his team are excellent and know how to get you what you need!


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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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