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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.
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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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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 cannot say enough great things about my experience with Denise and Total Mortgage. From start to finish, the entire process was seamless, straightforward, and surprisingly easy. Denise was absolutely fantastic throughout the entire process. She was always positive, responsive, engaged, and genuinely a pleasure to communicate with. She kept everything moving, answered my questions, and made sure I always understood where we were in the process. Instead of feeling stressful or overwhelming, she made the experience feel personal and manageable. After dealing with traditional banks and all of the red tape, delays, and frustration that can come along with them, working with Denise was a completely different experience. I can honestly say that she made the mortgage process enjoyable, which is something I never thought I would say! I would highly recommend Denise and Total Mortgage to anyone looking for a mortgage or refinance—especially if you are tired of dealing with the traditional banking system and want someone who is responsive, knowledgeable, positive, and truly engaged from beginning to end. Thank you, Denise, for making this such a great experience. You absolutely earned a five-star review and my highest recommendation!
- Matt C.![]()

Denise P.
James was awesome and so helpful whenever we had questions! He made the loan process smooth, stress free and reassuring!
- Gabrielle![]()

James K.
Débora is a outstanding player she went above and beyond from beginning to end Everything was smooth and her team was great as well If was possible to give 100000 stars Debora and her teammates deserves all Thank you all
- Jc S.![]()

Debora V.
Buyer toolsjust for you

Calculate payments, estimate your budget, and determine refinance savings in seconds.
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