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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
Loan Types
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.
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.
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.
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
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!
Home Improvement Loans: Upgrade Your Home With Competitive Financing Solutions
Home improvement loans cover a range of projects, from bathroom remodeling to kitchen upgrades or energy-efficient home improvements. Learn more.
Exciting Update: USDA Home Loans Are Now More Buyer-Friendly!
Good news! USDA home loans are even easier to achieve now. What's New? Let's see how they help you and what the new USDA loan requirements are.
Is a USDA Home Loan Your Ideal Option?
Discover if a USDA home loan is right for you! Explore eligibility, benefits, and how it helps make homeownership affordable with zero down payment.
How to Pay Off Credit Card Debt With Your Mortgage?
A solution that works in such cases is to refinance credit card debt into a mortgage.
What To Expect When Getting A Renovation Loan?
Your property is used as your primary residence or is a rental property, a renovation home loan is the best option for refurbishing and repairing the property.
Construction Loans: Pros and Cons
A home construction loan is a short-term loan used to build a property.
A Non-QM (DSCR)
Debt Service Coverage Ratio (DSCR) Loan is categorized as a non-QM or a non-qualified mortgage.
Construction Loans (Construction Loans Explained)
Constructing a home and need to finance it? You need to take a home construction loan, unlike financing an existing property.
ARM's (What is an Adjustable Rate Mortgage?)
An ARM or adjustable-rate mortgage has numerous pros and cons. ARMs are an alternative for home financing, where the interest rate is likely to fluctuate.
Non-QM (How They Work)
Non-qualified mortgage loans need not meet the requirements of Consumer Financial Protection Bureau-qualified mortgages.
How Do USDA Loans Work
The US Department of Agriculture offers loans to families from the society's lower or middle-income strata to help them build or purchase their own homes.