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Purchase
Refinance
Renovate
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secure rate

Secure rate

Veterans

Veterans

rural

Rural

underwater

Underwater

easy to qualify for

Easy to qualify

renovation

Renovation

expand loan limit

Expand loan limit

low down payment

Low down payment

low monthly payment

Low monthly payment

low total Interest

Less total interest

Loans through the Federal Housing Administration have less stringent requirements than traditional loans. They’re great for first-time and lower-earning homeowners.

Our ARMs feature our lowest mortgage rates and offer the lowest monthly payments of any mortgage—perfect for when you don’t plan on staying in your home for decades.

It’s our most popular loan program for a reason—a fixed-rate mortgage offers secure rates, consistent monthly payments, and is available in low down payment options.

If you’re looking to pay off your home fast (and save on interest in the process), a 15-year fixed-rate mortgage may be just the thing for you.

FHA 203(k) loans make it easy for borrowers to purchase and remodel homes, including foreclosed and distressed properties.

If you already have an FHA loan, the FHA’s Streamline Refinance Program is one of the quickest ways to refinance, and qualifying is just as easy as with your original loan.

Think you’re going to need to borrow more than $417k? Then there’s a good chance that a jumbo loan is right for you.

Veterans Rejoice! VA Loans allow veterans and active military to get a mortgage with as little as 0% down. Plus, they’re easy to qualify for.

If you’re one of the many Americans whose home has dropped in value, then a HARP refinance may be just the solution you’re looking for.

Turn your equity into cash and refinance to a new, low rate—perfect for home improvement, consolidating debt, or any other large expenses.

Tapping into your home equity can free up funds for everything from home renovations to education costs.

If you’re over 62, a reverse mortgage allows you to trade the equity you’ve built for reduced or eliminated mortgage payments, all without having to sell.

Co-ops are a little different than houses, and can be much tricker. Trust our experts to get you into your new home fast.

Thinking about moving to a rural area? Loans backed by the USDA require as little as 0% down, and come with lots of other benefits.

Find a loan that fits you

Mortgage Loan Options Key Features

Fixed Rate Mortgage

Our most popular loan programs, fixed rate mortgages offer consistent monthly payments and are great for the long term home owner.

Adjustable Rate Mortgage (ARM)

Our ARMs feature our lowest mortgage rates and offer the lowest monthly payments of any mortgage.

FHA Mortgage Loan

Our most flexible loan program, FHA insured mortgages offer low minimum down payments. FHA loans are well-suited for first time home buyers.

203(k) Loan

FHA 203(k) loans make it easy for borrowers to purchase and remodel homes, including foreclosed and distressed properties.

FHA Streamline Refinance

Refinance your existing FHA mortgage quickly and easily with the FHA’s Streamline Refinance Program.

Jumbo Mortgage

Jumbos are back! We offer fast closing times and unparalleled rates and service on our jumbo mortgages.

VA Mortgage

Veterans Rejoice! VA Home Loans allow veterans and active military to get a mortgage with as little as 0% down. Click to learn more or get preapproved today.

HARP Refinance

Even if you’re underwater on your mortgage, you may be able to refinance at today’s record low rates through HARP.

Home Equity Loan

Tap your home equity to pay for education costs, consolidate debt, fund your business, renovate your home, and more.

Reverse Mortgage

A reverse mortgage enables senior homeowners to convert a part of their home equity into income without having to sell the home.

Co-op Home Loans

Having trouble securing a loan for your co-op? Look no further, Total Mortgage can help you get financing for your co-op purchase or co-op mortgage refinancing.

USDA Loan

Looking to move to a rural area? USDA loans require as little as 0% down, and come with lots of other benefits. Click to learn more or get preapproved today.