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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.
Our Story
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.
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
$15.5B+
Closed Loan Volume
30,469
First-Time Homebuyers
52,496
Closed Units
Not sure where to start?
You're not alone, and that's why we're here. Check out our FAQs and let the experts guide you forward.
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.
Chris was an incredible resource from loan application to closing. He was knowledgeable, supportive, and available. The communication, proactivity, and flexibility offered brought a smooth and low-stress experience. Highly recommend.
- Logan R.
Chris G.
I heard about Ed and his team from one of my customers and from day one Ed treated me as if I mattered to him. His help leading and guiding us through an estate sale which was very time consuming. The morgage process was very smooth. They asked for documents and you gather and send. Very impressed with the process and was a very educational. We thank everyone involved for such a great experience. Don P
- Donald P.
Ed G.
First time home owner. I have to say the experience with Justin Girolimon at Total Mortgage was exceptional smooth from home purchasing power, locking in on my rate, to the closing date and I mean closing in a timely fashion, which many of our close friends couldn’t believe but Justin said we would close on such date and that’s exactly how it went. I also had a ton of questions for Justin and he always reached out back or made time to answer any questions or concerns. The process to owning a home many say it’s overwhelming but with Justin and my realtor Melanie Billie which is fantastic as well ! they made it seem a lot less stressful taking care of all the additional work behind the scenes. Would definitely recommend Total mortgage !
- Christian C.
Justin G.
Buyer toolsjust for you
Calculate payments, estimate your budget, and determine refinance savings in seconds.
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