Mortgage Last Look | Mortgage Rate Check | Total Mortgage

Every Big Investment Deserves A Last Look

Give us a chance to beat your mortgage rate and we'll give you $25

Wondering if you got the best deal possible on your mortgage? Your interest rate is going to stick with you throughout the life of your loan, and is not something you should just settle for. Total Mortgage is able to offer some of the lowest mortgage rates in the country. We’re so confident that we’ll beat your current offer that we’ll give you a $25 Amazon gift card just for calling!

Call today to Claim Your $25

(203) 349-9574

Our mortgage experts are prepared to beat your current rate, and can help save you thousands over the course of your loan. Not sold yet? We’ll give you a $25 Amazon gift card the day you call. Call (203) 707-5693 or click here to request a call from one of our rate-busting mortgage experts.

How Much Can I Save With A Lower Rate?

Assuming $400,000 loan and 20% down

  Total Interest Paid (5, 10, 30 Years)
Mortgage Rate Monthly Payment 5 Years 10 Years 30 Years
4.00% $1,528 $61,096 $115,436 $229,997
3.75% $1,482 $57,166 $107,794 $213,509
Total Savings : $46 $3,930 $7,642 $16,468
[+] Program Disclaimers

Rules and Restrictions:

[+] Rate disclaimers

Mortgage rates are volatile and are subject to change without notice. All rates shown are for 30-day rate locks with two points for an owner-occupied primary residence unless otherwise noted.

Extended locks are available; prices will vary accordingly.

Our 30-year fixed-rate mortgage is popular with people who want a stable loan where the monthly interest and principal payments are constant throughout the life of the loan. This is how our 30-year fixed mortgage rates are calculated:

The APR for 30-year conventional fixed-rate mortgage loan amounts is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, a $10 flood certification fee, and a $20 credit report fee.*

15-year fixed-rate mortgages are good for higher income borrowers who wish to pay off their mortgage more quickly to save on interest payments. This is how our 15-year fixed-rate mortgage rates are calculated:

The APR for 15- year conventional fixed-rate mortgage loan amounts is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, a $10 flood certification fee, and a $20 credit report fee. 15-year conventional mortgage rates are calculated with a 15-year loan term.*

Jumbo mortgage loans are often necessary for higher-priced homes that have mortgages that surpass Fannie Mae, Freddie Mac, or the FHA’s conforming loan limits. Jumbo mortgage rates are calculated as follows:

The APR for jumbo mortgage loan amounts is calculated using a loan amount of $500,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee.*

FHA loans are popular with first-time homebuyers and those with good credit but without a lot of money for a down payment. This is how we calculate FHA mortgage rates:

The APR for FHA loan amounts is calculated using a loan amount of $295,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee. Some rates and fees may vary by state.*

Adjustable rate mortgages are good for people who only intend to be in their house for the short term or those who plan to quickly pay off their mortgages. ARMs feature our lowest mortgage rates. ARM mortgage rates are calculated this way:

The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee. Some rates and fees may vary by state.*

*Products are subject to availability on a state-by-state basis. All interest rates listed are for qualified applicants with 740 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income.

By refinancing your existing loan, your total finance charge may be higher over the life of the loan.