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Monthly Mortgage Calculator
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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.
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Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
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Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
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Learn more about our mission to provide local lending expertise at the national level.
Why join Total Mortgage?
From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience.
Community Foundation
A 501(c)(3) nonprofit by Total Mortgage supporting local youth and families through fundraising and community service.
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
$15.5B+
Closed Loan Volume
30,469
First-Time Homebuyers
52,496
Closed Units
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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.
We had such a great experience working with Stephen throughout our home-buying and mortgage process! From the very beginning, Steve was incredibly knowledgeable and helpful. He answered all of our questions thoroughly and always took the time to make sure we understood everything. Buying a home can be stressful, but Stephen made the mortgage process feel easy and manageable. We always felt comfortable reaching out to him, and he was responsive and supportive every step of the way. We truly appreciate everything he did for us and would highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage lender!
- Ashlie F.
Stephen G.
🏡🔑 A HUGE & HEARTFELT SHOUTOUT! ❤️ I want to take a moment to give the BIGGEST shoutout to Richard Breed and his incredible team: Bridget, Carl, Colleen, and Alexandria. I truly hope I didn’t miss anyone! 🥹❤️ Words honestly cannot express how grateful I am to have had all of you by my side throughout this homebuying journey. From beginning to end, you were there every single step of the way. You set clear expectations, kept communication open and consistent, and were always just one phone call, text, or email away whenever I had a question, concern, or simply needed reassurance. Thank you for staying on top of EVERYTHING throughout the entire transaction, for guiding me through every step, and for working so hard behind the scenes to keep everything moving forward. I know there were so many details involved, and I want you all to know that your hard work, dedication, patience, and commitment did not go unnoticed and never will. ❤️ This journey was more than just a transaction for me. It was the journey toward owning my DREAM HOME 🏡😭🔑, and I am beyond grateful that I got to experience such an important milestone with such an amazing team supporting me. WE DID IT!!! 🥹🎉🏡🔑 Richard, Bridget, Carl, Colleen, Alexandria, and everyone else who played a part in making this happen, THANK YOU FROM THE BOTTOM OF MY HEART! ❤️
- Winifer T.
Richard B.
I can't say enough about Joselyn. She is my go-to person anytime I need ANYTHING. If there is something she can't do, which isn't much, she has always pointed me in the right direction.
- Tjh579
Joselyn B.
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