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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.
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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
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Crunch the numbers
Calculate payments, estimate your budget, and determine refinance savings in seconds with our mortgage calculators.
Our mission is to make the mortgage process simpler for homebuyers
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Frequently Asked QuestionsTestimonials
What clients are saying
From first-time buyers to seasoned homeowners, see how we've made a difference for clients just like you.
Working with Carolina Callaghan as my mortgage broker was a wonderful experience. She was knowledgeable, professional, and always available to answer my questions throughout the entire home-buying process. Carolina made what could have been a stressful experience feel much easier by keeping me informed every step of the way and helping me find the best options for my situation. I truly appreciated her patience, dedication, and attention to detail. Thanks to her hard work, I was able to successfully close on my home with confidence. I highly recommend Carolina Callaghan to anyone looking for a trustworthy and experienced mortgage broker. Thank you, Carolina, for all your help and support! 🏡✨
- Nathalie E.
Carolina C.
I'm officially a homeowner and I couldn't be more excited. I have to say, working with Charles, JR Torchon, Pat Frazier and the Total Mortgage team was a genuinely great experience. From pre-approval all the way through to closing day, you kept me informed, moved quickly when deadlines were tight, and made what could have been a very stressful process feel manageable. The turnaround on documents and the responsiveness whenever I had questions really stood out. This was my first real estate purchase and you made it a smooth one. I'll absolutely be recommending you to anyone in my network looking for a lender and when it's time to expand the portfolio, you'll be my first call. Thanks again to you and the entire team for everything.
- Rexler N.
Charlie M.
Denise is the most knowledgeable loan officer that I had ever met. She was is very honest, reliable person anyone could work with. Blessings to you and your family!
- Monide D.
Denise P.
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