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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.
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
We're in your neighborhood.
We are licensed in over 47 states and territories with over 67 branches – wherever you are, we have an expert for you!
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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 had an amazing experience with Total Mortgage, especially working with Leslie Perez. From beginning to end, Leslie was patient, knowledgeable, supportive, and always there to answer my questions and guide me through every step of the process. Buying a home can be overwhelming, but Leslie truly made me feel like I had someone in my corner the entire time. She worked incredibly hard to help make this dream a reality for me and my family, and I will always be grateful for her dedication and kindness. Thank you, Leslie and the entire Total Mortgage team, for helping me become a homeowner! 🏡❤️ I would absolutely recommend Leslie to anyone looking to purchase a home.
- Tania F.
Leslie I. P.
Shane was an absolute consummate professional throughout our process of buying our first home. If you need a mortgage professional, Shane is the person you need to be speaking to. Shane was extremely knowledgeable, including minute-to-minute real world updates on the market - he was on the phone with us at all hours to explain every detail of our loan, and even helped us monitor the stock market and geopolitical news to make informed decisions that ultimately led us to have a winning mortgage contract. Shane knew exactly how to best represent our interests and get us an affordable mortgage and rates that worked for us. When you need an honest and reliable mortgage banker, I cannot recommend Shane enough. Thank you Shane!
- Kevin
Shane H.
Buying a home is never easy and usually stressful. Fortunately, I had Louisa Bailey in my corner again to help guide me through the sometimes very confusing process of buying. Louisa is the consummate professional in her field. Any question or concerns I had were always promptly addressed by her. Whether email or phone call she would always get back to me quickly and have the question answered and issue resolved immediately. She made a very stressful time in my life much easier! I have worked with Louisa before and her knowledge and skills of the market and buying process has always been second to none! If you are looking for a lender I can’t recommend Louisa enough. She treated me like a valued family member and that’s truly what I needed!! Thank you for all of your hard work in my behalf, Louisa!
- John B.
Louisa B.
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