Total Mortgage Our Story

our story

Total Mortgage was founded in 1997 by John Walsh, a former loan officer who saw firsthand that the industry could be better. He built a company designed to truly support loan officers and the way they actually work.

What started as a three-person operation has grown into a national lender with more than 450 employees. During the 2007 housing crisis, one principle guided every decision: only approve loans we knew our borrowers could afford. That discipline helped us navigate one of the most challenging times in the industry and it continues to define who we are today.

Our culture is built on support, collaboration, and a willingness to step in for one another. That mindset carries through to how we serve our borrowers. We don’t just quote rates, we problem-solve, educate, and guide people toward responsible paths to homeownership.

As we continue to grow, we remain focused on raising the standard. We invest in our people, processes, and technology, while actively listening to feedback from those doing the work every day.

Goal:

Our goal is simple: to make home financing clearer, faster, and more human leaving every borrower feel more confident from application to closing.

Our Reputation

our reputation

It feels a little weird to brag about ourselves. Instead, we'll let some complete strangers take this one.

In 2016, Hearst Media Group named us one of the Top Workplaces in Connecticut, and over the last 7 years, Inc. Magazine has singled us out as one of the fastest growing US companies 4 times.

Most importantly, we've also gotten the thumbs up from our customers. We're a 5 star lender on Zillow with over 300 reviews, and we have an 5 star review on Google.

You know the secret to our effectiveness? Whether we're working hard on your loan or kicking back after hours in the company game room, we're always on the same team.

Trustbuilder 1
Trustbuilder 2
Trustbuilder 3
Trustbuilder 4
Trustbuilder 4
Trustbuilder 4
Trustbuilder 4

What our clients say

As a first-time homebuyer and a single mom, I honestly didn’t think owning a home was possible for me, especially with limited savings. But working with Carrie completely changed my life and my outlook. From day one, she was incredibly knowledgeable, patient, and genuinely invested in helping me succeed. She guided me through down payment assistance programs I didn’t even know existed and worked hard to find options that truly fit my financial situation. Thanks to her expertise and dedication, I was able to purchase a brand-new home with a monthly payment that is less than what I was paying in rent. Carrie truly cared about helping me build a stable future for myself and my child. I felt supported every step of the way. I can’t recommend Carrie highly enough, especially to anyone who feels like homeownership might be out of reach. She made what felt impossible not only possible, but smooth and empowering.

Emily C.

google

What our clients say

Chuck was there for us every step of the way, with every question we had after house tours, sharing piti payment costs with us for offers and watching market trends to ensure we felt we were getting the best rate possible. He was always available to hop on a call and made sure we got the deal through. We felt confident in Chuck's market expertise for us to make a strong offer in a competitive market. Thank you to Chuck!

Timothy M.

thelenderlist

What our clients say

We had an excellent experience with Total Mortgage, especially with our Loan Officer, Mr. Ray Vargas. He was very responsive, professional, and guided us through every step of the process. He always had a solution whenever challenges came our way and made everything feel more manageable and easier. We never called or messaged him without receiving a quick response, he was always available when we needed him. We truly felt the dedication he puts into his work. During closing with Security Title, we could clearly see in his eyes and on his face how genuinely happy he was for us. He made our dream a reality. Highly recommended!

Divine D.

thelenderlist

What our clients say

As first-time homebuyers, the loan process felt overwhelming and honestly a little intimidating at first. But from the very beginning, our loan officer Aileen made everything so much easier to understand and handle. We were in a situation where we needed to move quickly, and they went above and beyond to make sure everything stayed on track. She was always available to answer our questions, explain every step clearly, and keep us updated so we never felt lost or stressed. What really stood out was her dedication and patience. No matter how many questions we had, she took the time to make sure we felt confident and comfortable with every decision. You can tell she truly cares about the people she works with. Because of her hard work and commitment, we were able to close on our home without unnecessary delays, and we are so incredibly grateful. If you’re a first-time homebuyer or just want someone who is reliable, responsive, and genuinely cares, I would highly recommend reaching out to Aileen.

Crissy A.

thelenderlist

What our clients say

It was immediately apparent that Zach cares about his customers and doing everything in his power to help dreams come true. Zach took our very complicated situation on with open arms, helping advise on credit improvement, exploring all options, and stayed by our side nearly 6 months from random inquiry to official close. He is always responsive and incredibly personable. We have recommended him to several friends.

Lauren T.

thelenderlist

What our clients say

Wendy is very helpful. She is always ready to answer any questions and she gives clear instructions for the loan to process on time. I recommend her. She is the best!

Elsa C.

thelenderlist

What our clients say

Bill Gaudet and the Total Mortgage Team were an absolute pleasure to work with. They made our process seamless! From the first phone conversation until closing day, we never worried about our financing. Thanks to the entire Total Mortgage Team!

Kelly P.

thelenderlist

What our clients say

We had an incredible experience with the team that helped us purchase our first home. Alan Qiu was our realtor, and he did a thorough job guiding us through every step of the process. He was patient as we learned how everything worked, quick to respond whenever we had questions, and always proactive. Alan scheduled showings in a timely manner and helped us thoughtfully consider different options that aligned with our needs. Ultimately, he helped us find the perfect home in Billerica MA. Matt Tran, aka Tran the Mortgage Man, was our loan officer and was absolutely fantastic to work with. He was our very first phone call and immediately connected us with all the key stakeholders to make the process smooth and efficient. Matt clearly explained each step, regularly checked in on us, and made us feel confident throughout the journey. In less than two months from our initial call with Matt, we submitted our first offer, it was accepted, and we have officially closed. They truly have an A team. Matt referred us to Alan, and from there everything took off seamlessly. We are incredibly grateful for their support, guidance, and professionalism. We would strongly recommend their services to anyone looking to buy a home.

Pedro R.

thelenderlist

What our clients say

Matt was so helpful throughout our entire home buying process, he was always available to answer any questions we had with kindness and professionalism. Him and his team made the entire process run so smoothly.

Kayla A.

google

What our clients say

I can't speak loud enough to make People comprehend how seemless everything went for me. The passion behind the job made me feel as a true friend rather than a client. The time invested the dedication the quick replies I can appreciate as a first time home buyer with many fears and questions. I would absolutely recommend to all and anyone I hear of buying a new home! Much appreciation and respect to her & entire team.

Tiffany S.

thelenderlist