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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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Making home possible.
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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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What clients are saying
From first-time buyers to seasoned homeowners, see how we've made a difference for clients just like you.
Had a wonderful experience working with Felix Gutierrez and the Total Mortgage team on my home purchase. Communication was excellent from start to finish, every question I had was answered quickly and clearly, which meant a lot as a first-time buyer. The process moved faster than I expected, and they were transparent about rates, fees, and what to expect at every step. Felix's knowledge really stood out; he took the time to walk me through everything and made sure I understood my options. I felt supported and well-informed the entire time. Highly recommend Total Mortgage and Felix!
- Laura L.![]()

Felix G.
We were working on this particular home for 3 months with a former lender. As first time home applicants/owners, we’re not familiar with how fast the process can actually go. We only had our realtor giving us feedback that the turnaround time was uncommon. Up until 11 days before escrow ended, we almost gave up on the home (in literal tears at this point) because the lender informed us we had to meet nearly impossible conditions at the very last minute. We really thought we were going to lose this deal then. It wasn’t until we were referred to Gen from Total Mortgage. With less than 2 weeks to spare, she worked day AND night, providing us with the service we should have gotten from the very beginning. We cancelled with our first lender and put our full trust to Gen to close by March 31st AND SHE DID JUST THAT. Our first lender took 3 months to get everything together. Gen had everything ready and approved in 7 days, with a few days to spare. She really is THAT PERSON to call if you’re ever in need of purchasing a home. Spectacular communication, service, and a powerhouse. HIGHLY RECOMMEND Gen and Total Mortgage team. Thank you, from the bottom of our hearts, for SAVING US from losing our beautiful forever home and now we get to enjoy it to the fullest extent.
- Rocky Q.![]()

Gen C.
We are glad Sir Mark Lloyd was our loan officer. He did a phenomenal job and it was a pleasure to work with him throughout our home-buying process. He was knowledgeable and responsive and kept everything moving smoothly from start to finish. His clear communication, prompt response and attention to detail made the experience easy and stress-free. We would gladly recommend him to anyone looking to buy their dream home. Our family appreciates you Sir! Thank you so much!We are glad Sir Mark Lloyd was our loan officer. He did a phenomenal job and it was a pleasure to work with him throughout our home-buying process. He was knowledgeable and responsive and kept everything moving smoothly from start to finish. His clear communication, prompt response and attention to detail made the experience easy and stress-free. We would gladly recommend him to anyone looking to buy their dream home. Our family appreciates you Sir! Thank you so much!
- Belen R.![]()

Mark A L.
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