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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.
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
Home Buying
What Is a Home Title? Complete Guide for Homebuyers
Learn what a home title is, how it differs from a deed, who holds title with a mortgage, and how title insurance protects homebuyers.
Clear to Close (CTC): What it Means and Next Steps
Clear to Close means your mortgage is fully approved and you’re ready for closing. Learn what CTC means, how long it takes, and what happens before closing day
How much do first-time home buyers have to put down in Massachusetts? (MassHousing)
How much do first-time home buyers need to put down in Massachusetts? Here are MassHousing programs, DP assistance options, and low-down-payment mortgage needs.
How Long Does a Mortgage Preapproval Last?
Getting a preapproval on a mortgage is important when you're buying a home. This post is all about how long is a preapproval valid, and when does it expire?
How Much To Save For A House?
Find out how much you really need to save for a house — from down payments to hidden costs — and get tips to reach your homeownership goal faster.
Do You Need to Put 20% Down to Buy a House?
Do you need 20% down to buy a house? Learn the truth about down payments, low-down-payment loan options, and how to buy with less.
How Soon After Closing Can You Move In?
Find out how soon you can move in after closing. Learn about occupancy dates, seller agreements, and what to expect with new or pre-owned homes.
How To Buy A House Out of State?
If you’re planning to move out of state, be prepared for certain challenges. Here are some essential steps to help you make the right choices out of state.
First-Time Home Buyer Qualifications
Discover the key qualifications for first-time home buyers, including credit score, income, and down payment requirements to help you secure your first home.
How Do I Get Prequalified for a Home Loan?
Are you dreaming of buying a home but not sure where to start? A great first step is getting prequalified for a home loan. Here is how to get prequalified.
Bridging The Gap: How Can Down Payment Assistance Make Your Home Dreams A Reality?
Learn how down payment assistance programs can help make your home dreams a reality. Explore grants, forgivable loans, and low-interest options to buy a home.
How to Choose a Mortgage That Actually Works for You?
Find the right mortgage for your budget and goals. Learn about loan types, rates, and tips from Total Mortgage to choose a plan that truly works for you.
Employment Letter for Mortgage Approval
Learn what an employment letter for mortgage approval is, why lenders need it, and how to get one—expert guidance from Total Mortgage.
How To Buy A Home With Kids In Mind?
Find the perfect kid-friendly home with tips on safety, schools, space, and budgeting. Learn how Total Mortgage can help make your family’s dream home a reality
What Happens to Your Mortgage in a Government Shutdown?
See how the 2025 government shutdown affects mortgages, loan approvals, closings, and rates—what buyers and homeowners need to know now.
Total Mortgage's Denise Peach Named #1 Top MassHousing Loan Originator
Total Mortgage's Denise Peach Named #1 Top MassHousing Loan Originator
Common Real Estate Contingencies And Their Meaning
Learn about common real estate contingencies, what they mean, and how they impact your home buying or selling process. Stay informed before you sign.
3 Crucial Steps Before You Start House Hunting
Buying a home is one of the biggest investments you’ll ever make, and it deserves wise decision-making. Here are 3 things you must do before house hunting.