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Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
Apply Now
Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Products
Navigate all our loan product options and find the perfect loan for you.
Buy
Apply Now
Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
Refinance
Apply Now
Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Rates
Resources
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Products
Navigate all our loan product options and find the perfect loan for you.
Customers
About
Andover, MA NMLS# 1827307
Andover, MA was founded in 1636, and it originally held the Native American name Cochichawicke (a local waterway).
Often referred to as the "Home of America," Andover became known for its education and engineering.
Andover is a bustling hub of advancement and opportunity, and our team of local professionals is well-respected and trusted throughout the area. Give us a call or stop in any time!
Our Team

Anne Marie Concemi
Branch Manager/VP, Mortgage Banker
NMLS# 3527

Scarlett Hernandez
Branch Manager/VP, Mortgage Banker
NMLS# 1481186

Anna O'Loughlin
Processing Coordinator

Brian Reardon
Mortgage Banker
NMLS# 1956939

Brianna Peroza
Mortgage Banker
NMLS# 2509888

Cindi James
Mortgage Banker
NMLS# 1725768

Danielle Bartels
Mortgage Banker
NMLS# 2000223

Jamie Giorgi
Mortgage Banker
NMLS# 2118181

Jana Bottass
Sr. Mortgage Banker
NMLS# 1826980

Jill Cantarella
Mortgage Banker
NMLS# 2455971

John Goscila
Mortgage Banker
NMLS# 756126

Kassandra Olivo
Mortgage Banker
NMLS# 35124

Kathleen Broadhurst
Mortgage Banker
NMLS# 756104

Kory Sirmaian
Mortgage Banker
NMLS# 2654054

Matthew Tran
VP, Mortgage Banker
NMLS# 1644981

Samantha Mourad
VP, Mortgage Banker
NMLS# 1524849

Stacey Moulton
Licensed Sales Assistant

Steven Petullo
Mortgage Banker
NMLS# 756128

Travis Smith
Mortgage Banker
NMLS# 174450

Zachary Mourad
VP, Mortgage Banker
NMLS# 1568840

The selection you need at the interest rate you want.
Apply now
Mortgage rates today
The current 30-year fixed rate mortgage is as low as 6.000%. Below are the current mortgage rates in 06461. Get a personalized quote in just a few minutes.







