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A Trusted Massachusetts Mortgage Lender

Total Mortgage delivers home loans tailored to Massachusetts’ competitive and high-demand housing market. From Greater Boston to Worcester County and beyond, we help buyers navigate rising home prices, tight inventory, and complex financing scenarios.

We’re the #1 MassHousing lender. That level of performance reflects one thing: we know how to help Massachusetts buyers succeed, especially when affordability is a challenge. 

Serving borrowers across Massachusetts

Whether you’re buying your first home, upgrading, or refinancing, we offer solutions built for Massachusetts borrowers:

-       First-Time Buyers: Access to MassHousing programs and down payment assistance
-       FHA & VA Loans: Flexible options for a wide range of buyers
-       Jumbo & Conventional Loans: Solutions for high-cost housing markets
-       Renovation Loans: Finance updates or improvements into your mortgage
-       Refinancing: Lower your payment or access your home equity

Why Massachusetts homebuyers choose Total Mortgage

Massachusetts is one of the toughest housing markets in the country. You’ll need more than a lender; you need a strategy.

MassHousing expertise that delivers results
As the top MassHousing partner, we specialize in helping buyers access and maximize state-backed programs created to improve affordability.

Proven success with first-time buyers
Many of our clients are Massachusetts first-time homebuyers navigating high home prices. We help them find an affordable path forward.

Understanding of high-cost markets
Whether it’s Boston, Cambridge, or surrounding suburbs, we know how to structure loans that compete in fast-moving, competitive markets.

Streamlined, in-house process
With processing and underwriting handled internally, we keep your mortgage loan moving efficiently from start to finish.

What our Massachusetts clients say

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We had an excellent experience working with our loan officer. They were highly professional, efficient, and always available to answer our questions. Their quick response time and attention to detail helped us close on our home smoothly. Thank you for making this process so easy and enjoyable!

Xin L.

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Ryan K.

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Total Mortgage has been amazing throughout this whole process. Charlie Masse was nothing but patient and kind with my financial situation. He have great advice and was available anytime I needed anything. Would definitely recommend!

Tasheika T.

google

We cannot thank Glenn enough for the care and dedication he showed throughout our home-buying process. Glenn is personable and truly cares about the people he works with. Being first-time homebuyers, we had many, many questions, and Glenn answered them all with clarity and understanding, no matter how silly they may have been! He taught us so much about the process, and we are forever grateful to have Glenn on our team.

Shannon M.

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I have been looking to purchase a house for the past couple of years. After contacting James Khoury, he made the process to apply and purchase a property such a smooth transaction. He was also very competent and knowledgeable. I cannot thank him enough and will refer and do business with him in the future. George raad

Fady R.

google

Glenn was absolutely phenomenal throughout our entire home buying process. He was detail oriented, patient, responsive, and a pleasure to work with. He answered any questions we had in a very prompt manner. As a bonus he is very personable and cares about the people he is working with. We would highly recommend Glenn to anyone.

Aaron G.

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Matt was great to work with! He walked us through every step of the process and answered all our questions whenever we had them. He made everything seem less overwhelming, especially when it comes to buying your first home.

Mckenzie K.

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Jeff made the entire process easy to understand and kept me informed every step of the way. He was always available to answer my questions, explained everything clearly, and made sure I felt comfortable throughout the process. I truly appreciate his patience, professionalism, and dedication in helping me become a homeowner.

Tamiko M.

thelenderlist

As a first-time homebuyer, I couldn't have asked for a better mortgage broker than Kevin Richardi and his team. From start to finish, they made what could have been a stressful process incredibly smooth and easy to navigate. Kevin and his team were consistently responsive, patient, and willing to answer every question I had along the way. They took the time to explain each step of the process, which gave me confidence and peace of mind throughout my home-buying journey. One of the things I appreciated most was their easy-to-use online portal, which made uploading documents, tracking progress, and staying organized simple and convenient. Communication was excellent, and I always felt like a priority. Kevin and his team worked hard to ensure everything stayed on track and were proactive in addressing any issues before they became problems. Their professionalism, expertise, and dedication made a huge difference. I highly recommend Kevin Richardi and his team to anyone looking for a mortgage broker, especially first-time homebuyers. They truly made the experience enjoyable and helped turn my dream of homeownership into a reality.

Dominic P.

google

All is well, Thank you so much for helping me purchase my first home and making one of my lifelong dreams come true. Your guidance, patience, and support throughout this journey meant more to me than words can express. Because of your dedication and hard work. I now have a place call home, and I will be grateful for everything you did to help make this dream a reality.

Nicolas S.

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Frequently asked questions about Massachusetts mortgages

What is considered a good mortgage interest rate?

When exploring mortgage rates, it's essential to evaluate not only the interest rate but also consider additional loan terms such as annual percentage rates (APRs), fees, and closing costs. A comprehensive comparison of loan specifics from multiple lenders is crucial in identifying the most advantageous deal tailored to your circumstances.

Should I lock my mortgage rate?

Mortgage rates are subject to frequent and unpredictable changes. Contemplating locking your mortgage rate may be prudent under the following conditions:

  • Rising rates: If there's a sustained upward trend in rates over several weeks or months, securing your rate ensures it won't exceed the initially qualified rate.
  • Federal Reserve meeting: Anticipating a potential rate increase during a Federal Reserve meeting, consider locking your rate before the meeting for financial security.
  • Desire for financial certainty: Locking your rate guarantees a stable monthly mortgage payment, shielding you from unexpected changes.
  • Set closing date: If your closing date is fixed with no expected delays, securing your rate is a strategic decision.

How long does a mortgage rate lock last?

The specific lock-in period may vary, but generally, you can secure a mortgage rate for 30 to 60 days. Once the rate lock expires, unless the lender agrees to an extension, the initially locked rate is no longer guaranteed. Changes in factors like credit score, loan amount, debt-to-income ratio, or appraisal value during the lock-in period could potentially void the initial rate lock.

Is it possible for me to negotiate my mortgage rates?

Depending on your credit qualifications and willingness to obtain quotes from multiple lenders, negotiating a lower mortgage rate may be feasible. Another option is purchasing mortgage points, where paying a percentage of the interest upfront can reduce the interest rate and monthly payments. A mortgage point is equivalent to approximately 1% of the total loan amount, translating to around $2,500 on a $250,000 loan.

How are interest rates determined?

Lenders establish interest rates for their loan products, influenced by factors such as the Federal Reserve's actions, economic conditions, and consumer demand. Changes in short-term rates by the Federal Reserve can prompt lenders to adjust mortgage rates. Individual considerations, including credit score, down payment, income, as well as the varying levels of risk and operational expenses for lenders, can also impact mortgage rates.

How frequently do mortgage rates change?

Mortgage rates can vary daily, influenced by factors like inflation, the bond market, and the overall housing market.

Speak to a Massachusetts mortgage expert

Speak to a Massachusetts mortgage expert today