Anne Marie Concemi | NMLS# 3527

Name: It was an amazing experience guided by a very professional, communicative, and friendly team. Highly recommended. Thank you for making our first home possible.
Item: Total Mortgage
Rating: 5
Author: Ricardo J. Reyes Fabregas

Branch Manager/VP, Mortgage Banker | Andover, MA

aconcemi@totalmortgage.com C : (978) 852-9707

Quick Apply

Full Application

About Me

Welcome to Annie’s website; you’re in great hands! Annie has helped thousands of borrowers since 1987 and is frequently asked: “How have you kept at it for so long?” It’s actually very simple – she treats each loan as if it’s her only loan. Buying a home or refinancing an existing property is the biggest financial transaction in most people’s lives and deserves a high level of attention!

Whether they're first-time buyers or seasoned investors, Annie's clients don’t deal with voice mail prompts, 9-5 business hours, or customer service reps on headsets. They deal with Annie: their own personal loan officer, 24 hours a day, 7 days a week. Her staff of seasoned processors is in constant contact with borrowers, ensuring that their clients’ loans are processed in a timely fashion. They realize that the mortgage process is nerve-wracking and the last thing they want is for borrowers to stress because they need answers and can’t reach anyone.

Success in mortgage lending is not measured by numbers – it’s measured by how many clients refer their loved ones to someone they trust. Annie and her staff are family – and they treat each and every borrower as part of the family!

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

What My Clients Say

Zack Mourad and his team at Total Mortgage made our first home-buying experience incredibly smooth and stress-free. From day one, they were attentive, knowledgeable, and always available to answer our questions. Zack walked us through every step of the mortgage process with clear communication and expert advice, ensuring we fully understood our options. The entire team worked seamlessly to get us the best deal and made the paperwork feel easy to navigate. We truly felt supported the entire time, and thanks to them, we’re now in our dream home. We highly recommend Zack and his team at Total Mortgage to anyone looking for a hassle-free, professional experience!

Jenna (Jenna & Chris)

Financing a home is a stressful experience! Anne and her team are amazing, they constantly communicated every step of the way. I never felt like a bother when I was reaching out. Just a great vibe from. Everyone.

Amanda E Capurso

Annie makes it great! She is a true professional and we have never used anyone else in the last 10 years but Annie and Total Mortgage! The best!!!

Judie Marie Polcari

amanda Capurso

We could not recommend Annie and her team highly enough. They were accessible, knowledgeable, and responsive throughout our entire home-buying process. Thank you!

Sarah Carrigan

Total Mortgage is a great company to work with. Their communication and customer service is the best.

Cynthia Hill

Anne was very helpful

Aaron F Brown

Sam was absolutely amazing to work with! She made our two-week closing seamless, answering all our questions quickly and keeping everything on track. Her friendly and professional approach made the entire process stress-free. She was always available, proactive, and ensured every detail was taken care of, making the best of what could have been a stressful timeline. Her knowledge and organization gave us so much confidence throughout the process, and we are so grateful for her support!

Kylie Brown

After working with two mortgage lenders that had tedious issues that came up at the last minute (a week before closing..), I was so grateful to contact Samantha at Total Mortgage. She really came in with a Hail Mary for us, to the point we were able to close the next business day after we were originally supposed to with the previous lender, giving her about a week’s time to process and complete everything for us. Working with Samantha was so streamlined and easy, especially after dealing with the previous lenders and their issues, I cannot even describe the relief when Samantha took care of LITERALLY everything for us. She gave us great advice, processed everything super quickly - it was clear she was sympathetic to our frustration with the previous lenders falling through and was really there to help us. I would 100% recommend working with Samantha and Total Mortgage, they are the reason I am sitting in my new house right now! ❤️ Thank you Samantha!!

Kristen Rooney

This is our third experience with Annie and her company. She worked diligently each step of away for us as always wouldn't go anywhere else. Thank you Annie.

Robert F Ferreira Jr

Focus on the move, not the mortgage.

Greenlight your loan, and close in 21 days.*

Learn more

*Terms and conditions apply. For complete details click here

start your mortgage process today

Apply Now

ask a question

Licensed State

Not Licensed State