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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.
Apply Now
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 HomePossibleSince 1997
Official Mortgage Partner of the Boston Celtics
We MakeHome Possible
We are dedicated to making home financing clearer, faster and more human so every borrower feels confident from application to closing.
Every AssistGives Back
For every assist the Celtics record this season, Total Mortgage contributes $18 to the Home Assist Program.
contributed so far this season
Updated through —
From Application To Keys
Here’s the plan on how we’ll get your home financing complete.
Tip-Off
Tell us about your goals in a quick, no-pressure conversation.
Progress Up The Court
Get pre-approved and see your finance options — programs, credits, and payment scenarios built around you.
Make The Pass
Shop with confidence. Your mortgage team handles the process while you focus on finding the right home.
Slam Dunk
Close with your credits applied and your keys in hand. That’s the assist turning into the score.
Save ThousandsIn The Home Buying Process
We’re helping renters become homeowners with our Lease to Keys program. Get up to:
*Lender credit equal to one month’s rent, up to $2,500, applied toward closing costs for current renters with a verifiable rental agreement and payment history of at least 3 months. Valid on FHA loans for primary residences only. Not available for non-occupant co-clients. Subject to credit approval; additional restrictions apply. This is not a commitment to lend.
What ClientsAre Saying
From first-time buyers to seasoned homeowners, see how we've made a difference for those who trusted us with their home financing journey.
Marc and his team were great to work with. When things went sideways, they buckled up and made sure my loan funded as quickly as possible! I'm was very happy to have them on my side!
— Craig H.
The breed team was truly amazing to work with the home buying process is very daunting and confusing, yet the team was always there to answer questions and always happy to help with anything. I cannot recommend them enough.
— Julian C.
We just can’t say enough positive things about Susan! When seeking refinance/ HELOC advice,Susan was very knowledgeable about all options. She was available, reliable, patient & great to work with throughout the process. We highly recommend Susan Kayal for all of your mortgage needs. Carol & Ashley Thibodeau
— Huey’s F.
Ready To StartYour Journey?
Tell us where you are in the process. A local Total Mortgage loan expert will reach out — usually within one business day — to walk you through your options.
Prefer to talk now? Call 800.359.1996