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Find The Perfect Home Loan

There are many different kinds of home loans, each with its own features and advantages. This section describes some of the major types.

Depending on your credit history, your income, how much you need to borrow, and what you plan to use the money for, you may find that you qualify for all of them or only a few of them. Chances are that whatever your circumstances, the experts at Total Mortgage can help you find the financing you need.

Why talk to a mortgage expert?

The information you'll find on this website - or anyone else's website (or brochure or newspaper ad or billboard) - is based on averages. There's no other way to report it.

But your situation is unique, and your mortgage should be, too. Call Total Mortgage now at 877-868-2503 for a thorough analysis of your circumstances and our recommendations for which home loans will work best for you.


Home Mortgage Loans

Loan Type Loan Description  
Fixed Rate Mortgage A fixed rate mortgage is a loan in which the interest rate on the note remains constant throughout the life of the loan... More info
FHA Mortgage Loans FHA Mortgage programs are great options for those borrowers who can't meet some of the strict lending criteria of conventional loans... More info
Jumbo Mortgage Loans Jumbo mortgage loans are for loan amounts over the conforming loan limit, currently $417,000 in most areas. More info
Adjustable Rate Mortgage An adjustable rate mortgage (ARM) has an interest rate that is fixed for the first several years of the loan... More info

Types of Home Mortgage Loan

Loan Type Loan Description  
Fixed Rate Refinance Refinancing to a fixed-rate mortgage is a good idea if interest rates are significantly lower now... More info
Adjustable Rate Refinance ARMs are attractive to some homeowners because they traditionally have a lower initial interest rate than fixed-rate loans. More info
FHA Refinance The Federal Housing Administration offers a number of federally insured mortgage programs to American citizens wanting to purchase or refinance a home. More info
Cash Out Refinance Cash-out refinance mortgages involve getting a new, larger mortgage to get extra cash to pay off debt... More info
No Closing Cost Refinance No-Closing Cost Refinance loans usually require the borrower to pay less in upfront fees relative to the other refinancing options More info
DU Refi Plus™ DU Refi Plus™ was designed to reignite the mortgage industry by simplifying the refinance process for millions of Americans More info
USDA Loans | VA Loans VA and USDA Rural Home Loans offer no-Money-down mortgages. Learn how can you qualify for these Home Loans. More info
HARP Loans Learn about HARP Loan - Home Affordable Refinance Program and if you qualify for HARP loans More info
HAMP Loans HAMP mortgage keeps their current mortgage and modifies the payment terms. No refinancing is needed. More info
Evaluate Home Loans Compare FHA Home Loan, Jumbo Mortgage, and Super Jumbo Mortgage Loans More info
20-Year Fixed Rate Mortgages Total Mortgage Services offers some of the lowest 20 year fixed mortgage rates in the industry. More info
Refinance Mortgage Loan Mortgage refinancing can offer many financial advantages to consumers, including monthly savings and cash for costly projects. More info
FHA 203k Loan Under the FHA 203k mortgage loan program, a qualified borrower can get one permanent fixed or adjustable mortgage to finance the purchase and rehabilitation of a property. More info
VA Home Loans VA home loans allow veterans to purchase a home with no down payment. Saving money for a down payment is probably the biggest obstacle to homeownership. More info
Home Equity Loan (HELOAN) Unlike a Home Equity Line of Credit (HELOC), a Home Equity Loan (HELOAN) is not variable. More info
Home Equity Line of Credit (HELOC) A Home Equity Line of Credit (HELOC) is a variable rate line of credit based on the available equity in your current home. More info

If you cannot find the type of loan you are looking for, please check our other mortgage loan programs as well.

Call a Total Mortgage expert now at 877-868-2503 to find out how we can customize a mortgage loan with some of the lowest current mortgage rates for you.

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