Denise A. Peach - Total Mortgage, Leominster, MA - NMLS# 41008

Denise A. Peach - Total Mortgage, Leominster, MA - NMLS# 41008 Denise A. Peach, NMLS # 41008
Massachusetts- MLO41008
New Hampshire- NH41008

Congrats to Connor, on the purchase of his new home. Being one of our younger clients, Connor is a shinning example that...
08/03/2026

Congrats to Connor, on the purchase of his new home. Being one of our younger clients, Connor is a shinning example that it is never too early to find your perfect home!

A big thank you to our friends at The Law Office of Matthew J. CampoBasso, for the great work they did.

Connor, wise beyond his years, made the wise pick with the Peach Team of Total Mortgage. Reach out today, and make the Peach Team your pick for your home mortgage today!

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07/30/2026

If you are thinking about buying, there is usually one thing that feels heavier than the rest.

Maybe it is credit.
Maybe it is the down payment.
Maybe it is the monthly payment.
Maybe it is simply not knowing if you are ready.

The good news is that most of these feel less scary once you stop guessing and look at the numbers.

What you would fix first?



— Denise Peach, your go-to mortgage broker from the Peach Team of Total Mortgage

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Down payment assistance is not one single program.It can vary by state, city, county, income, purchase price, credit pro...
07/28/2026

Down payment assistance is not one single program.

It can vary by state, city, county, income, purchase price, credit profile, property type, and lender access.

That is why two buyers can get very different answers depending on who they ask.

Here is what to check before assuming you have no options:

1 – Are there local first-time buyer programs in your area?
2 – Do you meet the income and credit guidelines?
3 – Can the assistance be used with your loan type?
4 – Is it a grant, forgivable loan, deferred loan, or repayable second mortgage?
5 – Does the lender you are talking to actually offer it?

This is exactly why the pre-approval conversation should happen early.

Reach out and I will help you look beyond the obvious options.



— If we haven’t met yet, I’m Denise Peach, your go-to mortgage broker from the Peach Team of Total Mortgage

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Congratulations to John and Lisa on the closing of their new home. They found an amazing house and picked an equally ama...
07/23/2026

Congratulations to John and Lisa on the closing of their new home. They found an amazing house and picked an equally amazing loan officer to help them get it.

As alwasy we want to say a big thank you to our friends over at Reynolds Law Offices, specifically Justin, for helping get this across the finish line!

Whether its your first or your next home purchase, you want to pick the team that is trusted by many including John and Lisa. Pick Denise Peach and the Peach Team of Total Mortgage! Reach out to start your application today.

For the SIXTH YEAR in row, Denise Peach of the Peach Team- Total Mortgage, is your #1 Mass Housing Loan Officer for th...
07/20/2026

For the SIXTH YEAR in row, Denise Peach of the Peach Team- Total Mortgage, is your #1 Mass Housing Loan Officer for the fiscal year 2026! We coming for you Lucky #7!

If you're looking to buy your next home, make the pick that many others have, and make the trusted pick with Denise Peach and the Peach Team of Total Mortgage!

07/14/2026

Here is a simple payment example using Freddie Mac’s 6.52% average 30-year fixed rate.

$400,000 purchase price

With 20% down:
Down payment: $80,000
Loan amount: $320,000
Estimated principal and interest: about $2,027/month

With 5% down:
Down payment: $20,000
Loan amount: $380,000
Estimated principal and interest: about $2,407/month

But this is not the full payment.

You still need to add property taxes, homeowners insurance, possible mortgage insurance, HOA dues if applicable, and any local costs tied to the property.

That is why a real pre-approval should include a payment conversation, not just a price range.

Reach out today and I can help you estimate the full monthly number for your situation.

— If we haven’t met yet, I’m Denise Peach, your go-to mortgage broker from the Peach Team of Total Mortgage

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07/10/2026

As a mortgage broker, I deserve emotional support for the documents I receive. 😭📂

POV: When the client says they sent everything… and it’s 17 random screenshots with no dates, no names, and no account numbers.

At that point, I’m not reviewing a file. I’m solving a mystery.



— Denise Peach, your go-to mortgage broker from the Peach Team of Total Mortgage

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A fixer-upper can feel exciting and overwhelming at the same time.You see the potential.You also see the outdated kitche...
07/07/2026

A fixer-upper can feel exciting and overwhelming at the same time.

You see the potential.

You also see the outdated kitchen, the roof question, the flooring, the repairs, and the list that keeps growing in your head.

Before you write it off, talk through the financing.

There may be options for renovation financing, but the home, repair scope, appraisal, timeline, and payment all need to make sense together.

The goal is not to talk yourself into a project.

The goal is to know whether the project is actually workable.

Reach out if you want help understanding renovation loan options before you make a decision.


— Denise Peach, your go-to mortgage broker from the Peach Team at Total Mortgage

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We'd like to congratulate Tyler and Elaina, on closing on his new home. Alan was a pleasure to work with throughout the ...
07/03/2026

We'd like to congratulate Tyler and Elaina, on closing on his new home. Alan was a pleasure to work with throughout the entire process, and said we were likewise, which we always appreciate!

A big thank you as always to a great partners at The Law Offices of David R. Rocheford, Jr., P.C., who as always did an amazing job helping to complete this deal!

If you're looking to start your home buying journey, then like Tyler and Elaina, pick the Peach Team of Total Mortgage, and begin your application today!

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We'd like to congratulate Alan, on closing on his new home. Alan was a pleasure to work with throughout the entire proce...
07/01/2026

We'd like to congratulate Alan, on closing on his new home. Alan was a pleasure to work with throughout the entire process, and said we were likewise, which we always appreciate!

A big thank you as always to a great partners at Reynolds Law Offices, who as always did an amazing job helping to complete this deal!

If you're looking to start your home buying journey, then like Alan, pick the Peach Team of Total Mortgage, and begin your application today!

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Address

975 Merriam Avenue, Ste. 212
Leominster, MA
01453

Telephone

+19788073370

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