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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.
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Bridging The Gap: How Can Down Payment Assistance Make Your Home Dreams A Reality?
Learn how down payment assistance programs can help make your home dreams a reality. Explore grants, forgivable loans, and low-interest options to buy a home.
Employment Letter for Mortgage Approval
Learn what an employment letter for mortgage approval is, why lenders need it, and how to get one—expert guidance from Total Mortgage.
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.
Is it worth it to make double payments on my 30-year fixed-rate mortgage with an interest rate of 4.75 percent?
Is it worth it to make double payments on my 30-year fixed-rate mortgage with an interest rate of 4.75 percent?
The Pros and Cons of Down Payment Assistance
The Pros and Cons of Down Payment Assistance
Demystifying Total Monthly Payment in Mortgages
Understand your Monthly Mortgage Payment better. Discover the components, calculation methods, and ways to manage it effectively in our comprehensive guide.
With flood insurance costs spiking across the U.S., should homeowners consider waiving flood insurance?
With flood insurance costs spiking across the U.S., should homeowners consider waiving flood insurance?
Forgivable Down Payment Assistance with Time To Own
Discover how the Connecticut Time to Own Loan offers forgivable down payment assistance. Learn about eligibility, benefits, and how to make homeownership more attainable in Connecticut.
Conditional Approval: What You Should Know and How Long Does Conditional Approval Take
Conditional Approval: What You Should Know and How Long Does Conditional Approval Take
Who Pays the Closing Costs in a Cash Sale?
Who Pays the Closing Costs in a Cash Sale?
Closing Cost and Down Payment Assistance with MassDREAMS
Closing Cost and Down Payment Assistance with MassDREAMS
What is a Down Payment and What Are Its Benefits?
What is a Down Payment and What Are Its Benefits?
Getting Approved for a Mortgage: Mortgage Pre-Approval Checklist
Several items are necessary for mortgage approval, and these things often come into play during pre-approval. This article will help you understand the documents and proof that are critical to earning this confirmation as you seek financial help.
5 Tricks You Can Use to Save on Closing Costs
5 Tricks You Can Use to Save on Closing Costs
Trump Reverses Reduction in FHA Mortgage Insurance Costs
Trump Reverses Reduction in FHA Mortgage Insurance Costs
5 Sure-fire Ways to Save on Closing Costs
5 Sure-fire Ways to Save on Closing Costs
What’s the Price of Your Closing Costs?
What’s the Price of Your Closing Costs?
Flood Insurance 101
Discover the essentials of flood insurance with Total Mortgage's Flood Insurance 101 guide. Learn how to protect your home and finances from flood damage risks. Get informed today!