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Total Mortgage - Braintree, MA
Braintree, MA

In 1997, John Walsh started a mortgage company. It was a simple enough decision on its face—after years in the industry, he had the experience, the know-how, and a briefcase full of big ideas.
Over the next decade, his company grew from a t... Show More
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Kevin went above and beyond to get us through the process.
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm truly delighted to hear your positive feedback, Catherine. It was my pleasure to guide you through the cash-out refinance process. At Embrace Home Loans, we always strive to go above and beyond to deliver the best possible service. I'm...
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We had many setbacks due to repairs that needed to be done but I feel like Kevin was always there to help with questions and to listen to any concerns we had.
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm truly grateful for your kind review, Michael. In this line of work, challenges are inevitable but it was my pleasure to assist you through the process and address your concerns to the best of my ability. Your satisfaction is always our...
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Thank you for a wonderful and very smooth transaction!
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm glad to hear you had a wonderful experience, Melissa. Ensuring a smooth transaction is always a top priority at Embrace Home Loans. It was a pleasure assisting you with your purchase. Thank you for the fantastic rating! I look forward to...
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communication and explanation of the process
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm thrilled to hear that you found the communication and explanation of the process satisfactory, Lynnette! It was my pleasure assisting you with your cash out refi. At Embrace Home Loans, we strive to make sure our customers are well-informed...
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Richard is always very professional and friendly, responded to all our questions promptly even in off business hours. Thank you for the great service.
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm incredibly grateful for your kind words and high rating, Kelly. It's always my aim to provide professional and friendly service, and I'm pleased to hear that this was your experience. I'm committed to being available for my clients, even...
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Kevin made this process amazing! It was so seamless, it was almost scary. He was very proactive which prevented delays and made for easy processing, I soared through the approval process to closing. Best experience ever!
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm thrilled to hear about your seamless experience with me at Embrace Home Loans, Sherida! Your feedback and high rating mean a great deal to me. It was my pleasure to assist you through the process and ensure we prevented any unnecessary...
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Very courteous and knowledgeable. Quick follow up and answered all questions. I felt like I was in good hands!
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
I'm thrilled to hear that you had such a positive experience with Embrace Home Loans, Gina. Your kind words mean a lot to me. I pride myself on being able to provide thorough answers and timely responses to my clients, so I'm glad I could meet...
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Kevin makes the whole process smooth and as simple as it possibly can be. He’s always been attentive and made sure things happen on time to close on time. I’ve gone back to Kevin for my home loan needs for more than 20 years because I know...
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Reply from Kevin Richardi
November 11th, 2025 06:08 PM
Thank you so much for your kind words, Carrie. I truly appreciate you taking the time out to share your experience with Embrace Home Loans and myself. It's customers like you that make my job wonderful. I'm pleased to hear that the process...
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Everything was doing electronically, and the process was very organized and concise. Best closing experience I've ever had.
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
thank you
Kevin was very knowledgeable and friendly. He also was extremely responsive to any questions or concerns we had during the process. We enjoyed working with him!
Reply from Kevin Richardi
November 11th, 2025 06:08 PM
thank you
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About
In 1997, John Walsh started a mortgage company. It was a simple enough decision on its face—after years in the industry, he had the experience, the know-how, and a briefcase full of big ideas.
Over the next decade, his company grew from a tiny 3 person shop to a national lender. And when the housing crisis leveled the mortgage industry in 2007, Total Mortgage was one of the few lenders to survive intact. We owe that to a single choice John had made years earlier, as other lenders were making a killing putting borrowers in homes they would never be able to pay for, signing off on the very deals that would lead to the recession. We would only offer people the loans we knew they could afford.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Eastern Standard Time (EST)