With all of this extra time at home, I decided it was finally time to look into refinancing my condo - low interest rates! I have known I should do this for sometime, but honestly - the idea of it was so overwhelming. But, a friend recommended Ralph at Total Mortgage to me. So, I reached out and inquired. After a few email exchanges, he sent me a link to an online portal. From here, I was able to collect all the necessary documentation on my own time and upload it to the site. After this was done, Ralph reached out to me with some options and guided me to the best one for me. A few more emails and I was given a closing date. That's right - all of this was done online and via email. I didn't actually speak to a real person until the day of my closing! I know that sounds crazy - but it was all very seamless and could not have been easier and less stressful! So - if you are in the market for a home loan or a refi - contact Ralph at Total Mortgage! You won't regret it! read more

I am writing this review to share my horrendous experience we had at the hands of Darren Kaplan of Total Mortgage during our recent home purchase. While the loan was ultimately completed, it took him 3 months to drag out the process to no avail, forcing us to withdraw from the loan and go with another lender who was able to pull off in 3 weeks what Darren couldn't accomplish in 3 months. The customer service and communication style throughout the process were highly unprofessional, hectic and chaotic at times Communication was a consistent issue. Darren routinely used an abrupt and condescending tone during phone conversations, to the point where I felt it necessary to shift all communication to email. During one specific phone call, he explicitly told me to "stop talking," which I found incredibly disrespectful. Who is he to speak down to me? Was he implying that he was above me? Was he implying that he's superior to everyone else? I eventually learned that he yelled at my attorney and realtor as well. This person has mental problems where he feels the need to yell at people when he doesn't get his way. We're the clients and he was hired to work for us. We don't work for him and shouldn't be spoken down to as if we were his employees. He also cuts you off by abruptly saying that he needs to go and hangs up on you. Extremely obnoxious. Furthermore, multiple emails regarding our file went completely ignored, forcing me to follow up repeatedly. Administratively, the process was inefficient. We were asked to provide the exact same information multiple times, suggesting a lack of internal organization or file review. Additionally, during our interactions, he reacted with unprompted hostility to standard everyday language used by many, creating an uncomfortable and unnecessary barrier when he raised his voice at me while on a 3 way call with our realtor. It's clear he wanted to start a fight. Not very smart when you have a family. The purchase of a home is a major financial transaction, and clients deserve to be treated with basic respect, clear communication, and professional courtesy, instead of uncalled-for emotions that have no place in this process. Based on my experience, I cannot recommend working with this outfit for property acquisitions or better yet, ask to work with someone who passed culture sensitivity training. read more

Total Mortgage was an absolutely disappointing experience for me. The process was so unorganized and poorly coordinated. I had so many people repeatedly requesting the same documents, and information that I had already given them multiple times just making unnecessary confusion and extra work delaying the process, and they never communicated back to me with answers. My first mortgage banker was helpful but he changed positions and that's when I got connected with Jake Earl know he's a VP and a Mortgage Banker for Total Mortgage he was good in the beginning, but things turned to worse once I signed my purchase agreement for a HUD home. What was even more frustrating was his lack of communication when timing was critical, but instead of him helping me get to the finish line, Jake wasn't contacting me I had to call him numerous times as well as my HUD team for the City Of New Britain when I did contact Jake he started to be rude and nasty to me using profanity language when all I wanted was updates on my loan that I wasn't getting like I was bothering him said he was contacting me, but that was untrue like why wouldn't I pick when I knew time of the essence for purchasing a home. Also, he knew this was a HUD home and wanted to use my son as a co-signer on my loan. When I explained that he couldn't be a co-signer on the loan which is when Jake used profanity language again being rude and nasty to me, he knew my son wasn't an option; remind you I had been preapproved with them a year and half before all of this. So tell me how you're a VP and Mortgage Banker and you're not knowledgeable about how to process a loan for a mortgage, and for something as important and time sensitive as a mortgage I expected much better coordination, respect and professionalism from Jake, he also had me to pay $600 for an appraisal never got the documents on the appraisal only for them not to move forward with my loan his response when I asked for the $600 back service rendered so you're not getting it back. Jake kept me going in circles was beyond stress until I finally withdrew from the process and went with another lender. When my new lender requested my documents, he held up the process of issuing them. I hope no one else loses faith in their dream of home ownership. I eventually prevailed and went with CMG Mortgage. They were awesome; they were constantly communicating with me during the process. I recently closed the home if you're looking for a lender, I highly recommend staying away from Total Mortgage, and I would recommend CMG they are great. Sincerely, yours Ms. Adams read more

My wife and were working with a loan originator to buy a house. We were approved, but were then denied by underwriting. We were given a checklist of what needed to be done to be able to close. We completed and rectified everything that they told us to. We reconnected with our loan originator to purchase a different house 2 months later. We were told everything was in order, only to have the new branch manager call us and tell us that we should never have been approved for this new loan, and that our loan originator was running rogue, and the loan application on this house was dead. My realtor had me contact a different loan company, CMG loans, and we closed on the home in 30 days. read more

I wouldn't even give them one star but had to. Started out great then, right before closing it dropped like a rock!!! Keeps asking for more and more nonsense right before closing!!! Literally, right before closing!!! Not like people work or nothing!!! And when I say nonsense, complete nonsense!!!! We almost have perfect credit scores and they are treating us like we printed cash in the basement!!! WE WoRK!!!! I have never had this much trouble closing on a home, EVER! Our mortgage broker is sweet and attentive but underwriting must be new or not using any common sense when reading our file. So not happy... I would never recommend this company. I would recommend mortgage guy look for new company! read more

I worked with Aileen Bida in PA. She completely mislead me in every way. I called to see if I could qualify m. She made it sound as if I wasn't far from being approved. She had me call her buddy for "credit repair" all he did was scam me for $275. Also, Aileen was telling the realtor I worked with that I would not be able to get approved, while still telling me that I had a chance. The idiot realtor, would tell me she would check on something and then not get back to me. When I finally confronted her about not answering my questions, her response was you're not going to qualify anyway. Something I was not aware of. Both the realtor and Aileen scammed me out of quite a bit of money. DO NOT USE THIS PLACE. I have also since learned that this company has a lawsuit against them. read more

So I worked with TM bc that's who my realtor recommended and I trusted her. Well that was a mistake. They made a $4k+ error in my favor... 2 weeks after settlement is get threatened with a lawsuit bc I have $4050.00 outstanding? What? How did they miss that? I never even got an apology- nothing. Just their goons making threats... but they did grace me with a $5 gift card. No thanks, I'll take a job done correctly.​​ read more

We worked with Jason Alves and Kimberly Delancy as first-time homebuyers. These folks are great! They're good communicators; they work very rapidly; they're very easy to reach by email, text, or phone. Jason was a great help in explaining CHFA programs to us. I heartily recommend Jason Alves to anyone looking to get a mortgage. read more

Horrendous customer service. From the closing of our home to monthly payments. The closing took 2+ months and then we were threatened to have it postponed even further the day before our closing because the broker waited until the last minute to follow-up on the paperwork we submitted 1.5 months prior. Then to top it off, they do not have an online payment option so we have to mail our payments in monthly (which is religiously done before the 1st of every month) and then receive delinquent notices when they do not cash them within 3+ weeks. read more

Sarah Mayer is professional, informative and very friendly. She would take her time to answer the many questions that I had and she would not make me feel inferior for asking. As well she was incredibly timely in all of her communications as well with her responses. Any future needs we may have we will absolutely turn to Sarah. Total Mortgage is very fortunate to have such a customer focused individual. read more

I lost over $1,200 on home inspection and appraisal only for them to tell me I wasn't approved. they made me get a house insurance for a home a wasn't approved for and I ahead to move from w I lived because Juan Chamba assured me I was going to be moving by July. Horrible service! read more

Matt helped me out with the refinance of my home. He explained the process to me and was very knowledgeable. He was available when I had any questions. Definitely a pleasure to work with and would recommend! read more

As a first time home buyer, I was ecstatic at getting a pre-approval for an amount that was way more than I expected and at a lower interest rate than the bank. I placed an offer on my perfect home (which also cost less than my pre-approval amount), and was told that we would easily close in no time! It was all downhill from there. I was asked daily for more and more documentation, and gladly obliged, in a very timely manner. The seemingly unnecessary documentation and clarifications didn't even bother me so much as the constant misleading. I was repeatedly told things were "on track", "scheduled to close", etc., when in reality, we would have to push back our closing date over 3 times-extending it a month past the original agreed upon date. A week after my original closing date, the agent I was working with went on vacation and I had a difficult time getting ahold of my new agent. Apparently, not all documentation was sent to the new agent, causing further delay. I was not informed that anything was missing, and assumed that because I had done my part, they would do theirs. Wrong. Instead of being upfront about someone on their end dropping the ball, they put the blame on me-the customer and rookie at home-buying! When I confronted them and called them out on their shortcomings and inability to deliver on their own promises (this was at EOB on the 3rd agreed upon closing date), I was told that I would have to speak to their lawyer. Eventually the new agent calmed down, came to his senses, and continued to do his job. We finally closed two days after 4th "promised" closing date. The seller and title company both sent their apologies to me for the unprofessionalism exhibited by Total Mortgage. The title company assured me that not all home buying experiences are this hectic and chaotic and that they would never do business with this mortgage company again. I will also never do business with them. To all current and potential homeowners: take the higher interest rate, pay the larger down payment, do whatever you need to do to avoid the stress and lies delivered to me by Total Mortgage. I am grateful to have finally closed, but resentful at the stress induced by the seemingly incompetent personnel that work there. To top things off, today I received an email stating "I just wanted to check in and see if you have any friends or family members that need help with a home purchase or refinance. If you were pleased with how your mortgage process went, a referral is the best way to say thank you!!" .....................the audacity read more

I applied to Total Mortgage. Months of having to resend documents and clarify their misunderstanding, misinterpretation, etc, they said they couldn't handle the back and forth. What? Isn't that the process of working out an application for a mortgage? Such unprofessionals. This is on top of having me pay for an appraisal only to tell me they should have waited 6 months before processing the application. So, I spent $500 I will never get back for nothing. Never use this company. They used to be good but are not any more. read more

While the experience through the application process and with sales person was good, the actual servicing of the Mortgage has been HORRIBLE. I made my first two payments, then found out the loan had been transferred (as I expected it would), however they changed the account and payment location. So, my first two payments both which showed cleared by my bank to Total Mortgage were not applied to my account. The customer service to resolve this issue has also been terrible, as I have spent hours on the phone and provided multiple proofs of payment, yet still my account is not cleared up!! There are too many other choices in mortgage brokers to deal with this level of incompetence, look elsewhere!! read more

Working with these people now and absolutely terrible service. Jake Healy rude and unprofessional, Thomas and Kimberly unresponsive to buyers agent and list agent request for updates. They are dragging their feet the entire process of the loan. Beware of this company and the people working there. read more

Save yourself the headache, DO NOT USE THEM! My homebuying process took about 3 months longer because of them. They would fail to communicate not only with me, but also the underwriter and my realtor. It would take about five days for me to get a response on my emails. Even my HR/payroll manager started getting frustrated at the fact that they seemed confused on what information they needed from her;when they needed something from her they made it urgent,but took days to respond to her emails(i guess the person on my case went on vacation and forgot to let us know )They had to do two hard inquiries on my credit (FYI that lowers your credit score a few points); the sad part is the only reason for the second inquire was because they failed to submit paperwork in time. Because of it i ended up having to pay extra fees, had to put a larger down payment, and got a higher interest rate. In other words, I lost money (but they got their cut in the end, worryfree). I spoke to my realtor about the issues and she told me another couple that were closing on a house had the same complaints. When i was signing the papers with my lawyer (and he realized one of the paperwork was wrong) he mentioned how he disliked dealing with Total Mortgage because all his clients that went through them either have a paperwork missing or it was wrong. How can it be that my realtor, my HR Manager, my lawyer, and myself were pissed/irritated in the end. If i had known beforehand, i would've turned back in the beginning and saved myself the anxiety attacks(thanks to them,i know what they are.) read more

The automated messages were not specific to our situation and ended up being more bothersome than useful. It was obvious that this is just an AI setup and was a poor replacement for personalized emails, which fortunately my TM rep provided all the way. She was great, TM auto-replies not so much. read more

I applied to Total Mortgage. Someone called and took my Information, all supporting documents, did a credit check but I did not hear from them afterwards. Not even a courtesy call if I was not approved. read more

Don Luth and his team really made the entire experience relatively painless. As first time homebuyers, the process can seem entirely overwhelming. Don spent countless hours via phone and text answering every question thoroughly and working to find us the best loan and interest rate. When I unexpectedly had to work on the day of our closing, his team worked late into the the evening to make sure our closing wasn't pushed back. That sort of commitment makes Total Mortgage an easy recommendation from my wife and I. read more

First Yelp review ever in my life, that's how bad this experience was. The entire experience was tragic mostly at the hands of Steve Kasperzyk and Karen Marra. I was a first time home buyer and even though I thought I was asking the right questions, Steve has the communication skills of a child, and everything became my fault despite bending backwards to get them every document they needed. He refused to give me or my lawyer realistic expectations of what Total Mortgage still needed and real closing dates. I never felt taken care of in the process or guided to get to the outcome -closing. We closed over a month late, despite the week of the original closing date telling me we were all set. Karen is extremely unorganized, and I'm still not sure if Steve and Karen work in the same office, because their communication with each other was awful. I had to resend documents multiple times. Steve communicated mainly with the seller, who he admitted, was his good friend (conflict of interest??) but still his miscommunications with me became my fault. Please please save your money and time and skip this company. read more

If I could give them less then 1* I would. Most unprofessional experience you will come across while doing something so important. Submitted every document requested (in most cases the same day but never later than the next). We started this process in May. Since then they have switched our underwriter without explanation and our broker wasn't returning our calls, or emails. He has only returned our call after we had our lawyer and realtor reach out to him. Needless to say we are still here waiting and our closing date WAS supposed to be tomorrow..... that ain't happening. Do yourself a favor and work with another company. read more

This company is absolutely awful and I would NEVER refer someone to them. I spoke with two different loan officers in CT trying to obtain additional information regarding a loan, both acted as if they did not have the time to speak with me nor were they willing to help. One of them actually hung up on me when he was unable to answer a question, and the other rushed me off the phone with a rude attitude. I am appalled a company with already poor reviews would treat potential clients this way. read more

I have some of the reviews on this and they are completely false. I have never met more of a professional group who made the buying process so easy. In fact, at one point I thought the ease of process made it too good to be true. Jake took care of everything and Heather made the closing a breeze. I would HIGHLY recommend them to anyone looking for help in buying their home. Thank you. read more

This place is unethical at best. They will write a pre approval for anyone that is not worth the paper that it is written on. Avoid at all costs. They really screwed three families over with this garbage. read more

Hi Kevin, thanks for getting back to me. My goal wasn't to get someone in trouble, I just hoped that it would let others know what to expect and also serve as a lesson to the loan officer that poor communication leads to lost opportunity. I think I've done a good job of summarizing what happened, but I am open to discussing further. Feel free to privately message me. read more

Bait and switch indeed. They will sell your mortgage off to another company who may be even worse. I called their customer service number (as listed on their letterhead) to inquire about a payment they cashed and had yet to send to the new mortgage company, they asked "How did you get this number?". Seems EXTREMELY shady. read more

This is the WORST SERVICE EVER!!!! I really want to give then ZERO star if I could. Please avoid this mortgage broker since they provide the worst service EVER. They may attract you with the lowest rate but it will take forever to close your loan. They place my SSN number wrong in the application for underwriter, they never return the calls and email and never keep their promise. This is the worst service I have ever experienced!! Avoid them!!! read more

I can not thank Jay & Katie enough for all their hard work. We had an extremely difficult mixed use property. We hit just about every road block possible along the way & they stuck with us and got us through a very nerve racking experience. I know a lot of mortgage companies would have given up, but thanks to these awesome people we just closed on our new home! Thanks for putting up with us, Jay & Katie! I would gladly recommend you to anyone! read more

One big let down. I did go through with the loan, but haven't heard peep from them. They rarely returned calls, and were extremely unhelpful. I would not recommend ever, as there are plenty of decent mortgage brokers around that will give you better or just as good rates and not the hassle of tracking down and dealing with an office that clearly does not have their act together. read more

I'm engaged in a personal home search in a number of states. Naturally, a few Real Estate Agents have encouraged me to get pre-approved on a mortgage so we'd know what I can afford and they would feel comfortable knowing they weren't wasting their time. I have no problem sharing: my SS#, recent bank and investment statements. Total Mortgage is the first lender to not only ask me where I bank but to share my password log-in information. When pigs fly. Are they kidding? read more

TERRIBLE! No one there communicates, EXTREMELY unprofessional. They have made the whole process a NIGHTMARE!!!! They should be shut down. DO NOT USE THIS COMPANY read more

Thank you for being so patient and answering my entire family's questions. They went above and beyond and stuck to their promise of a quick close!! Would definitely use them again. read more

Plays fast and loose with the rules. Got a pre-approval letter on just stated income and no credit pull. They also sent me someone else's tax returns via email, unencrypted! Also took 4 days to properly disclose the terms of my loan. I'd warn both buyers and sellers to stay away from this shop. read more

I got a phone call the Friday before Memorial Day, Dan said that he was working all weekend & to send in my info right away & they would start working on my file. I sent everything from pay stubs, tax returns, etc & heard nothing. Finally on the following Thursday I emailed him...still nothing. Then on Friday he finally calls me. Instead of wanting to help me he tells me to take a pre-approval from another co & go find housing & come to him when I have put an offer on then he will see if he can get me approved. I explained at least 5 times that when I got my other pre-approval my credit wasn't as good but now I want to see if I can do better now that my credit has gone up considerably. He still refuses to send my info to underwriting. We get into an argument about it & I hang up. He then has the nerve to email me to let him know when & if I still want him to send my info to underwriting. I call the co to put in a complaint and no on will help me or talk to me about it. All I was told someone would call me back. it is now Monday at 10:45 & someone should have called me back by now. This co doesn't do what they advertise & certainly discriminate against single moms as they won't even bother putting your info to underwriting let alone get you a loan in 21 days. I couldn't even get them to give me a pre-approval which I have gotten the same day before from co.s & I used to work for a mortgage dept in a bank & know they could have gotten me that a week ago. It is now 2pm no one has gotten back to me and on top of it another email do I still want a mortgage but a generic one as if I never sent in my financials. read more

Tried to apply for a 7/1 ARM mortgage of $484K and talked to them (Joe Bart) last Friday. They were busy and said they would call me back Monday (today). No one called. I checked their rates today on bankrate.com and trulia.com. For that loan both sites published a note rate of 3.125% by Total Mortgage. Called again today and talked with another agent (Eric) and tried to apply for same loan for the published rate. Eric offered higher rate and said he'll check and get back to me. He did not. Called again and talked to the manager (Eric Martin) who said he cannot talk to me because he is not licensed in CT. By the end of the day Joe called and started by saying that "rates went up 1/4% today" , whereas I know that rates actually went down today, I hung up on him (what a manipulator). Bottom line: this is a bait and switch operation. Funny thing is to read what they claim to be:"Superior service, low pricing, INTEGRITY with zero hassle". Let me tell you: they are what ther are but they are NOT what they claim to be. I plan to file an official complain with Consumer Affairs. read more

My rating would be zero stars for this awful, unprofessional and lying company who is shoddy at best. I got a pre-approval letter in a day and they told me everything I wanted to here just to get me hooked on their false promises and fake deadlines. They don't answer their phones, return messages, or respond to emails. I got all the way to the underwriting process and had a deadline to get a mortgage commitment that we already had an accepted offer on. Not only did they NOT make the deadline or communicate to me that they were NOT approving me, but they let it go so far to sending me an email by someone who I don't even know stating that I was denied on the day of closing! After the appraisal, inspection, which I paid for, lawyer, and time/effort, they have the audacity to not even tell me I was denied until the day of closing! Who are these people?! I provided them with everything they asked for and have a good job, income, and credit. I have never seen a company so poorly ran, and anyone looking to buy or sell a house DON'T EVER USE TOTAL MORTGAGE. It is a complete and utter waste of time! I had anxiety and chest pain for weeks! I think I almost went into cardiac arrest because the stress they caused me and my fiancé!!! read more

I'm from Sacramento CA and was working with one of their loan officer Shea Ruthe. I was looking for a house first time buyer. Found a house and we talked numbers. I was approved. Did all the paperwork. Took money out from my 401k. We agreed on a 5% down and i thought everything was good up until 2 days before closing cost. He told me he needed $6300 more on my acct for some reason even though I already got the money for the down. He told me "no $6300 you lose the house" i said "i don't have it Shea" and he replied "yes you do" in a cocky voice. Made me feel like i don't have a choice but to get the money, i felt very disrespected and i felt being conned by this man. They probably thought since i gave a 30 day notice to my landlord , I didn't have a choice but to give them what they want. He's also been saying to my realtor that he told me to get 30k to put down for the house which was false. Who would want to pay more? My goal was to pay less as possible let alone pay 30k. I go a proof that we agreed on a 5% down on a 261k home (i got a screenshot of the convo too). I ended up I cancelling the house purchase since I don't have the extra money that he's asking which i found out 2 days before closing date. They just lost a client because of greed, Especially my own time too when i need to send paperwork after paperwork after doing an 8hr shift myself. I didn't know that's how these people do business with first time buyers. Astounded and Disappointed is an understatement. I wrote a letter with their VP Dan Moore but no reply yet. You can tell a lot about their customer service when one of their high ranking officers (so to speak) don't even reply at all. Anyway. I just want to let everybody know about my experience with Total Mortgage and it was a horrible experience. And to top it off, my credit nosedives by 60 pts. So yes, I got a lot of reason to be furious. read more

My loan application experience with Total Mortgage Service is HORRIBLE. They are slow to review the docs we submit, never return our phone calls or email, and they never keep their promise. There are so manny hidden surprise and we are asked to pay more fees at the end. I will never give my business to this company ever. I will never recommend this company to any friend or family. Avoid them if you could. read more

I would not recommend this place to my worst enemy. I also received someone else information via email. You would not believe some of the stuff that happened to me. Did anyone receive my information?? Please send me a message! read more