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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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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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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.
I first came across Shane in some google searching in 2024, and at that point he helped me realize we weren't in position yet to make a purchase. We continued slowly eyeing the market for the next couple years and Shane stayed in touch, occasionally checking in to see how we were doing and give an update on rates. Fast forward to 2026, we finally decided we wanted to fully engage in the homebuying process, and Shane was ready to go to bat for us right away on short notice. We (luckily) had an unusually fast process of finding a home we liked and having an offer accepted, and Shane was ready with our pre-approval and full mortgage process, guiding us as first time homebuyers through the process and responding quickly to all our texts and calls with questions. Along the way Shane also made some savvy, smart, creative recommendations that helped us nail the purchase and drew compliments from my real estate agent. Basically, you want Shane on your team as you go through the homebuying process (especially if it's your first time), you'll feel confident and supported the whole way!
- Peter M.
Shane H.
Denise and her team were fantastic to work with throughout our home purchase. She was incredibly responsive, proactive, and thorough, and kept everything moving forward under a tight timeline. We really appreciate her communication, guidance, and high sense of urgency from the very beginning through the closing date without any delays. We highly recommend Denise!!
- Nilton C.
Denise P.
I just want to say how helpful Desmond has been since day one. He helped us get our loan approved and guided us through the entire process, from filling out documents to answering all of our questions along the way. I highly recommend Desmond as your loan officer. You will not regret choosing him! He went above and beyond to help us achieve our dream of getting our house. I truly appreciate you taking the time to answer all of our questions, address our concerns, and make sure we understood every step of the process. You made this experience much less stressful for me and my family, and we are extremely grateful for all of your help, patience, and support. Thank you again, Desmond, for everything you have done for us! We truly appreciate you and all your hard work. Leynette & Alexis🏡
- Leynette O.
Desmond L.
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