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. 


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

Tom and his staff work 100 mph and are very, very efficient. My wife and I were able to Close on our house ahead of schedule and we couldn't be happier with the service we were offered. I will be referring Tom to all of my friends and family.

Dave H.

Working with Thomas Bepko and the entire team at Total Mortgage was the least painful real estate process I have ever went through. I have no doubt I received the best rate/terms available given my circumstance. Tom and the team were extremely respectful, responsive, helpful, and actually a joy to work with....so much so that they were the first (and probably the only) office I'll need to contact for assistance with another potential real estate deal. When you want a truly straight answer with no smoke and mirror, contact Thomas first - you'll be as impressed as I was!

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John P.

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.

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