---
canonical_url: https://lendb.ai/lo/charles-masse-23120
json_url: https://lendb.ai/lo/charles-masse-23120.json
nmls_id: 23120
last_verified: 2026-10-09
---

# Charlie Masse

Branch Manager/VP, Mortgage Loan Originator at Total Mortgage Services, Milford, CT. NMLS ID 23120 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/23120)).

**Summary:** Charlie Masse (NMLS 23120) is Branch Manager/VP, Mortgage Loan Originator at Total Mortgage Services, based in Milford, CT. Licensed in Florida, confirmed with the state regulator (license LO128128). Focus areas shown on the lender page: Renovation loan (203k / HomeStyle) and Reverse mortgage. Earliest state license record: April 25, 2024 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: April 25, 2024 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.totalmortgage.com/bankers/charlie-masse, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/charlie-masse
- **Reverse mortgage** (`reverse`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/charlie-masse

## About

Charlie has over 30 years of experience and more than 7,000 closings, specializing in renovation loans, credit strategies, reverse mortgages, and advanced mortgage planning. He leads industry seminars and has earned 15 consecutive years in President's Club.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.totalmortgage.com/bankers/charlie-masse, verified 2026-10-09.
- credential: 7,000+ closings. Source: https://www.totalmortgage.com/bankers/charlie-masse, verified 2026-10-09.
- credential: 15 consecutive years in President's Club. Source: https://www.totalmortgage.com/bankers/charlie-masse, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO128128 | active | confirmed | 2024-04-25 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Milford, CT. Source: https://www.totalmortgage.com/bankers/charlie-masse, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/23120

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/charlie-masse
- Email on file: shown at https://lendb.ai/lo/charles-masse-23120#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/23120
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/charlie-masse

Cite as: Charlie Masse (NMLS 23120), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/charles-masse-23120, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._