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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
Mortgage Basics
Real Estate in the Internet Age
Real Estate in the Internet Age
5 Actually Useful Housewarming Gifts
5 Actually Useful Housewarming Gifts
Do Pets Reduce Your Home's Value?
Do Pets Reduce Your Home's Value?
6 Things Every Accidental Landlord Should Know
6 Things Every Accidental Landlord Should Know
What is a Piggyback Mortgage?
What is a Piggyback Mortgage?
Should You Reduce Your Asking Price?
Should You Reduce Your Asking Price?
What’s Hot In The Greater Rochester, NY Real Estate Market
What’s Hot In The Greater Rochester, NY Real Estate Market
What You Need to Know About Home Inspectors
What You Need to Know About Home Inspectors
How to Get Rid of Your PMI
How to Get Rid of Your PMI
What is a 5/1 ARM?
What is a 5/1 ARM?
Is a Home Warranty Worth It?
Is a Home Warranty Worth It?
What is a Planned Unit Development (PUD)?
What is a Planned Unit Development (PUD)?
5 Staging Tips for a Fast Home Sale
5 Staging Tips for a Fast Home Sale
Is the Fall a Good Time to Sell a Home?
Is the Fall a Good Time to Sell a Home?
Understanding Settlement Statements: How to Decipher Yours Before Closing on Your Home
Understanding Settlement Statements: How to Decipher Yours Before Closing on Your Home
How Do I Lock in A Mortgage Rate?
How Do I Lock in A Mortgage Rate?
6 Ways to Fight Rising Interest Rates
6 Ways to Fight Rising Interest Rates
Home Prices Are Returning to Peak Levels--What Does that Mean for You?
Home Prices Are Returning to Peak Levels--What Does that Mean for You?