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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
Mortgage Calculators
How Are Mortgage Payments Calculated?
Understand how mortgage payments are calculated and what factors—like interest rate, loan term, taxes, and insurance—affect your monthly costs.
Cash-Out Refinance Calculator
Use Total Mortgage’s Cash-Out Refinance Calculator to estimate costs, determine equity, and reduce monthly payments. Get expert advice on home equity.
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.
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.
Unlocking Home Ownership: How Much House Can I Afford for Mortgage Loans?
Get detailed guidance on "How much house can I afford for mortgage loans" for seamless home ownership. Let's simplify your property dreams in the US.
Understanding Mortgage Payments: The Power of Analyzing Amortization Schedules
Understand mortgage payments with detailed amortization schedules. Plan wisely for home buying and optimize your financial journey.
What Is Debt-to-Income Ratio and How Is It Calculated?
Your debt-to-income ratio, or DTI, signals your ability to repay a loan to your lender. A higher DTI means you carry too much debt compared to your monthly income, which could pose a greater risk to your lender.
Is Gross Income or Net Income Better for Calculating Mortgage Affordability?
Calculate your mortgage affordability using gross income and net salary vs gross salary. Find out which is better with Total Mortgage.
What is Compound Interest on a Loan? How to Calculate Compound Interest
In this article, you will learn what compound interest is, how compound interest works, and what the benefits and drawbacks of compound interest are.
What Is Mortgage Amortization? How it Works and How to Calculate
Here’s what you should know about mortgage amortization, how it works, and how to calculate your mortgage amortization schedule.