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Refinance Rates
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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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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
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Buy
Apply Now
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.
Refinance
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.
Rates
Resources
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.
Customers
About
VA loan
With no down payment required and flexible credit standards, VA loans make homeownership more accessible for those who have served.
No Down Payment Required
Finance up to 100% of your home value with no minimum down payment.
No Private Mortgage Insurance
Save hundreds per month compared to conventional loans.
Competitive Interest Rates
Benefit from rates typically lower than conventional financing.
Easier Qualification
Flexible credit and income requirements make approval more achievable.
Streamlined Refinancing Options
The VA IRRRL program allows quick, low-cost refinancing for existing VA borrowers.
Frequently asked questions
Everything you need to know about VA loan
Who is eligible for a VA loan?
VA loans are available to eligible veterans, active-duty service members, National Guard and Reserve members, and some surviving spouses. You'll need a Certificate of Eligibility (COE) from the Department of Veterans Affairs, which confirms your qualifying service. Most lenders can help you request this document during the loan process.
Can I use a VA loan more than once?
Yes. Your VA loan entitlement can be restored after paying off a previous VA loan or selling your home, allowing you to use the benefit again to buy a new home or refinance into another VA loan later in life.
Do VA loans require mortgage insurance?
No. Unlike FHA or conventional loans, VA loans do not require monthly mortgage insurance (PMI). Instead, there's a one-time Va funding fee, which helps sustain the program for future borrowers. This fee can be rolled into your loan amount. Some veterans are exempt, such as those with service-connected disabilities.
Can I use a VA loan to buy a second home or investment property?
VA loans are strictly for primary residences, meaning you must live in the home as your main residence. However, you can use your VA benefit again in the future to purchase another primary home if you move or sell your previous property.