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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
About

Making home possible.
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.
As a first-time homebuyer and a single mom, I honestly didn’t think owning a home was possible for me, especially with limited savings. But working with Carrie completely changed my life and my outlook. From day one, she was incredibly knowledgeable, patient, and genuinely invested in helping me succeed. She guided me through down payment assistance programs I didn’t even know existed and worked hard to find options that truly fit my financial situation. Thanks to her expertise and dedication, I was able to purchase a brand-new home with a monthly payment that is less than what I was paying in rent. Carrie truly cared about helping me build a stable future for myself and my child. I felt supported every step of the way. I can’t recommend Carrie highly enough, especially to anyone who feels like homeownership might be out of reach. She made what felt impossible not only possible, but smooth and empowering.
- Emily C.![]()

Carrie S.
We had an incredible experience with the team that helped us purchase our first home. Alan Qiu was our realtor, and he did a thorough job guiding us through every step of the process. He was patient as we learned how everything worked, quick to respond whenever we had questions, and always proactive. Alan scheduled showings in a timely manner and helped us thoughtfully consider different options that aligned with our needs. Ultimately, he helped us find the perfect home in Billerica MA. Matt Tran, aka Tran the Mortgage Man, was our loan officer and was absolutely fantastic to work with. He was our very first phone call and immediately connected us with all the key stakeholders to make the process smooth and efficient. Matt clearly explained each step, regularly checked in on us, and made us feel confident throughout the journey. In less than two months from our initial call with Matt, we submitted our first offer, it was accepted, and we have officially closed. They truly have an A team. Matt referred us to Alan, and from there everything took off seamlessly. We are incredibly grateful for their support, guidance, and professionalism. We would strongly recommend their services to anyone looking to buy a home.
- Wendy R.![]()

Matthew T.
Exceptional, work with me from the beginning and guide me all the way through the process, very happy Thank you so much!..
- Carlos Z.![]()

Nelson D.
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