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Discover the Total Difference.

A MESSAGE FROM OUR

Chief Executive Officer

At Total Mortgage, we believe that great companies are built with great people. From day one, our mission has been to create a company where loan officers and operations professionals have the support, resources, and opportunities to thrive. We are built on a culture of collaboration, growth, and the belief that when our people succeed, we all succeed.

But what truly makes Total Mortgage special is that we are more than just a company—we are a family. We look out for each other, celebrate each other’s wins, and step up when challenges arise. That same mindset extends beyond our office walls. Giving back to our communities is part of who we are, and we take pride in making a real impact where we live and work.

We are also constantly evolving. Whether it’s improving our technology, expanding opportunities for our team, or refining our processes, we never stop working to get better. And we don’t do it from the sidelines. Our executive team is hands-on and always available to help, guide, and support anyone in the company, no matter their role.

If you’re looking for a place where you can grow, be supported, and be part of something bigger, you’ve found it here. We’re excited about the future of Total Mortgage, and we invite you to be part of it.

Scott Penner CEO headshot
Scott Penner signature

SCOTT PENNER, CEO

Total Mortgage - How It Started

how it started

1997

When Total Mortgage was founded in 1997, no one knew what the industry would look like in five years, let alone 25. With the internet on the horizon, all we knew was that change was coming – and we needed to be ready.

Total Mortgage decided early on that there were a few things we could never compromise on – the first being our borrowers. They will always come first, regardless of the challenges we face.

how it's going

PRESENT DAY

Total Mortgage remains all about people – our borrowers, our loan officers, our back-office teams, and everyone in between. We’ve built a people-centric culture and an organization that’s second to none in providing support to anyone who needs it. We want every person who deals with us – whether they’re part of the team or a borrower – to not only succeed, but to grow and thrive as well.

How We Invest In You

Technology

Our technology suite features state-of-the-art applications determined and developed with our users.

Mortgage Automations, Workflows, Processes & Streamlining

Rate Reduction Opportunities

Predictive AI & Analytics

Birthdays & Loan Anniversaries

Real Time Customer Feedback

Recent Credit Inquiries

Mobile Pipeline Management

More about our technology

Marketing

An in-house marketing team with extensive offerings and a modern marketing platform.

Library of Marketing Materials

Social Media Consultations

In-House Design & Video

Short-Form Content Creation

Headshots

Learn About Marketing

Innovative Process

We are proud of our exceptional process - a harmonious combination of technology and professional expertise.

TotalIQ (AI With A Personal Touch)

Accelerated Turn Times and Appraisal Review

Common Sense Underwriting

Unmatched Closing Process

Closing Begins At Approval

Quick Doc Review

Business Generation

We know how to help grow your business and your referral partners’ business!

Local SEO

Review Generation

Lead Generation

Database Activation

Build Referral Partners

Discover our Content Days
Total Mortgage - Top Workplaces Heart Connecticut Media Group (2020 - 2024)

Top Workplaces Heart Connecticut Media Group (2020 - 2024)

Total Mortgage - Inc. Magazine Fastest Growing U.S. Companies (2009 - 2013)

Inc. Magazine Fastest Growing U.S. Companies (2009 - 2013)

Total Mortgage - The Warren Group CT Mortgage Lender Rankings By Purchase Volume (2020-2024)

The Warren Group CT Mortgage Lender Rankings By Purchase Volume (2020-2024)

Total Mortgage - Over 3,000 five-star reviews on Zillow

Over 3,000 Five-Star Reviews On Zillow

We're on a mission to make loan processing breezy.

Total IQ

Total IQ

AI Powered with a Personal Touch

  • Guaranteed Income Calculation at Pre-Approval
  • Anticipate credit conditions prior to submission to underwriting
  • Appraisal clearing and value acceptance with hours of receipt
  • Clean commitments
Dynamic Processing

Dynamic Processing

  • Match-made loan officer - processor pairings based on preferences and personalities
  • Customer-centric focus on loan officer, borrower and referral partners wants and needs
Sensible Underwriting

Sensible Underwriting

  • Collaborative and accessible
  • Specialized collateral tracks allow for underwriters to focus on the credit decision
  • Direct, fully delegated lender for all conventional, government, renovation and jumbo products
Accelerated Turn Times

Accelerated Turn Times

  • Turn times are measured in hours, not days
Unmatched, Proactive Closing Strategy

Unmatched, Proactive Closing Strategy

  • Dedicated closer assigned at initial credit decision
  • Working in tandem with processing and underwriting departments to ensure seamless close
  • Continuous communication with settlement agent throughout the life of loan
  • Initial closing disclosure issued early - averaging 10.4 days prior to closing date

Let's Connect

We are always looking for great people to join our team. If you are looking for an opportunity to grow and be a part of something great, we would love to hear from you!

Realtor Content Day Questions

Questions?

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