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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.
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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
Refinancing
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.
Common Real Estate Contingencies And Their Meaning
Learn about common real estate contingencies, what they mean, and how they impact your home buying or selling process. Stay informed before you sign.
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.
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.
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.
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.
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.
How to Refinance Your Investment Property
How to Refinance Your Investment Property
The Ultimate Guide to Refinancing Your Mortgage and Mortgage Refinancing Costs
Unlock refinancing insights in our e-book. Discover tips on minimizing costs, securing rates, product selection, and preparing your credit—all in one place.
Credit card bills high? Consider a Cash-Out Refinance to consolidate your debt into a lower rate
Learn how a Cash-Out Refinance can help you lower your credit card bills by consolidating debt at a lower interest rate. Take control of your finances today!
How to Prepare for a Home Appraisal for Refinancing
How to Prepare for a Home Appraisal for Refinancing
How to Refinance an Inherited House
By refinancing an inherited house, you could potentially lower your monthly mortgage payments or make necessary updates or repairs by accessing built-up equity. Here’s what you need to know when it comes to refinancing your inherited property.
What Can I Do With Cash-Out Refinance Money?
What Can I Do With Cash-Out Refinance Money?
7 Refinancing Programs for Seniors
7 Refinancing Programs for Seniors
Cash Out Refinance vs. Home Equity Loan: Which Is the Smarter Option?
Cash Out Refinance vs. Home Equity Loan: Which Is the Smarter Option?
Home Equity Loan vs Refinance Loan for Consolidating Debt: Understanding the Differences
Discover the differences between home equity loans and refinancing. Learn which options suit your goals and make informed decisions about your home's equity.
5 Helpful Tips For Refinancing A Mortgage With A Bad Credit Score
5 Helpful Tips For Refinancing A Mortgage With A Bad Credit Score