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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.
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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.
Mortgage Basics
What Credit Scores Do Mortgage Lenders Use?
Find out which credit scores mortgage lenders check, how they affect your loan approval, and tips to improve your score for better rates.
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.
How the "30-Year Fixed Mortgage" Shaped U.S. Homeownership?
Explore how the 30-year fixed-rate mortgage became America's favorite home loan, providing stability and predictability for homeowners. Learn why it works well.
Stop Searching for “Mortgage Broker Near Me” — Choose Total Mortgage For The Best Loans
Stop searching for “Mortgage Broker Near Me.” Choose Total Mortgage for expert loan options, competitive rates, and personalized service. Start home-buying now!
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.
Things to Know about Income Requirements to Qualify for a Mortgage
Understanding income requirements will help you prepare and increase your chances of securing the mortgage you need for your dream home.
Top 10 Checklist to Refinancing Your Mortgage
It is always best to consider all factors with due diligence before applying for a home refinance loan.
Escrow Insurance: What Is It and When You Need It
Escrow mortgage insurance accounts are usually set up either before or at closing.
Is Homeowners Insurance Included In A Mortgage?
Homeowners insurance provides financial protection if your home is destroyed or severely damaged.
Is Hazard Insurance the Same as Homeowners Insurance?
Homeowners insurance policies include hazard insurance, which people often use interchangeably.
What is Homeowners Insurance?
Every homeowner wants to protect their home and personal belongings from unforeseen incidences and damages which is where insurance comes into the picture.
What is a Renovation Loan?
Renovating your home can be expensive. However, there are ways to repair or refurbish your home affordably, and that's with a renovation loan.
How To Boost Your Condo's Value Without Hurting Your Wallet
How To Boost Your Condo's Value Without Hurting Your Wallet
Understanding Non-QM Loans & Their Eligibility
Explore Non-QM Loans: What They Are and How They Work, and learn about their unique flexibility for homebuyers who don’t meet traditional loan criteria.
How to Improve Your Credit Score to Secure A Better Mortgage Rate
Unlock better mortgage rates with key strategies to boost your Credit Score. Learn practical tips for financial success in our expert guide.
How to Choose Between an FHA and a Conventional Loan
How to Choose Between an FHA and a Conventional Loan
Benefits of being a FHA first time homebuyer
Discover the advantages of being a First Time Homebuyer, FHA. Explore programs, benefits and tips designed to make your home buying process easier.