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.
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 to Do If You Can’t Get Pre-Approved for a Mortgage
Denied a mortgage pre-approval? Don’t panic—homeownership is still possible. Learn the rejection reasons, steps to improve your credit, and confidently reapply.
The Tale of Two Jobs Reports, A Big Bill, and a Market That Can’t Decide What to Do Next
On one side, you’ve got ADP waving a red flag saying, “Hey, private companies actually let go of 33,000 people last month. Small and medium businesses?
"Lease to Keys" Program Helps First-Time Home Buyers with Closing Costs
The Lease to Keys program gives renters in the U.S. up to $2,500 in closing costs to help you buy your first home.
For a 100k Salary, How Much Home Can You Afford?
Find out how much home you can afford on a $100k salary, factors that impact your budget, and tips for smarter mortgage planning.
Exploring Low-Income House Buying Options
Explore low-income house buying options, including government programs, grants, and tips to qualify for affordable homeownership.
Denise Peach's Record-Breaking Success at Total Mortgage
Denise Peach's Record-Breaking Success at Total Mortgage
All You Need to Know About the Credit Score Needed to Buy a House
Learn the credit score needed to buy a house, how it impacts mortgage rates, and ways to improve it for better home loan approval.
Should You Buy Now or Wait? Navigating the Housing Market Amid High Mortgage Rates
Should you buy a home in 2025? Explore mortgage rate trends, expert tips, and market insights to make the smartest move amid high rates and rising prices.
Predictions for Mortgage Rates: Will They Drop in Late 2025 or Beyond?
If you're a first-time homebuyer, you're probably asking the same question as everyone else: When will mortgage rates go down? Here is what you need to know.
Spring Home-Buying Season 2025: What Economists Believe & Say
Are you struggling to find a home that meets your needs? Well, experts say the spring housing season might offer some good news. Read More.
Why Spring is the Best Time to Buy a House?
Spring has always been regarded as the prime season for homebuying in the U.S. It’s a time when the housing market is in full bloom. Know More.
Why Are Mortgage Rates So High in 2025?
Mortgage rates in 2025 remain high, dampening buyer hopes. Explore why rates are so elevated, the inflation impact, and whether relief is expected anytime soon.
Essential Economic Indicators That Could Lower Mortgage Rates
Learn the key economic indicators that could lower mortgage rates, including inflation, housing supply, and economic growth, and what needs to change.
Preparing to Buy Your First Home in 2025: Trends, Tips, and Tools
Explore trends, expert tips, and tools to prepare for buying your first home in 2025. Start your journey to confident homeownership today!
What Does Contingent Mean in Real Estate?
Learn what "contingent" means in real estate, how contingencies protect buyers, and explore common types like home inspection and mortgage contingencies.
Market Momentum Shifts: How to Leverage Softening Home Prices
Take advantage of cooling housing market with negotiation power as home prices soften. Discover insights to maximize your buying potential before rates change.
Purchase Home with Low Down Payment
Arranging funds for DP of your dream home is not easy but what if your home can be bought with a low down payment. Yes, that's possible.
Mortgage Rates Forecast: Must Check Out Before Sealing the Deal
Get the latest mortgage rate forecast to make informed decisions before locking in your loan. Explore expert predictions for 2024–2025.