Refinance Calculator

Your monthly payment will depend on a whole host of factors. Get a feel for what you can afford.

Refinance Calculator

What’s your current monthly payment?


Great. Let’s see how it might change.

How much do you currently owe on your home?


Your estimate is cooking—just three more questions.

Please make sure you entered a number.

How much is your home worth today?


Your down payment cannot be higher than your loan amount.

Please make sure you entered a number.

Purchase Price Down Payment Loan Amount
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How would you describe your credit?

Now, where do you live?

That’s all the info we need. Click calculate and let’s finish this thing up.

15 Year Fixed
30 Year Fixed

Current Monthly Payment


New Monthly Payment




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By providing my contact information, including my phone number, and clicking the "submit" button, I am verifying that this is my phone number(s) and that I consent to receive telemarketing calls and messages from Total Mortgage Services, LLC, NMLS #2764, our affiliates (Total Financial Services, Total Energy, Yellowbrick Reality, America’s Realty Network, together “Total Mortgage Services”) via any means, including, but not limited to, the use of automated telephone dialing systems; pre-recorded voice messaging in connection with calls; or texts (SMS and MMS) made to any telephone number I have provided, regardless of whether such telephone number is currently listed on any do not contact E-mail list, internal, corporate, state, or federal do not call list. I understand that I am not required to provide such consent as a condition of utilizing Total Mortgage’s services. I further understand that I may choose to be contacted by one of Total Mortgage’s customer service associates via email, rather than phone or text messages, by clicking here [email protected], or by calling 203-647-8080. For additional information regarding our privacy policy, please visit https://www.totalmortgage.com/privacy/

Calculator Options

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*apr may not be accurate if you set a custom rate below.




Use of this calculator does not pre-qualify or qualify you for any loan, or guarantee that you will be eligible for a loan. Use of the calculator should not be construed as an attempt by Total Mortgage Services, LLC to extend an offer of credit on loan terms. This calculator is a tool that can be used to help estimate monthly payments using parameters set by the user or defaulted by Total Mortgage. Further information that is not entered into this calculator is required to qualify for a loan, such as the user’s credit profile. Additional fees and/or charges may apply based on the terms set by user, including the need for mortgage insurance. All of the information inputted into this calculator, including the mortgage rate, is based on estimates and should be used for comparison purposes only, as actual amounts may be higher or lower. Total Mortgage Services, LLC is not bound by the results of the calculator. Results are an estimate based on the information provided by the user. Accuracy of the results is not guaranteed by Total Mortgage Services, LLC, therefore the results should not be relied upon. Total Mortgage Services, LLC is not responsible for any errors or misrepresentations from the use of this calculator. The results calculated are not binding on Total Mortgage Services, LLC, therefore Total Mortgage Services, LLC is not liable for any difference between the estimated monthly payment calculated and any actual monthly payment.