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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
HARP 5-Year ARM Mortgage Loan
A 5/1 ARM HARP refinance gives you the lowest interest rate upfront while allowing you to refinance your underwater home.
High LTV ratios accepted
HARP loans allow borrowers with high loan-to-value ratios to refinance.
Potential for a lower interest rate
Access to lower interest rates compared to your current mortgage.
Potential for a lower monthly payment
Reduce your monthly mortgage payment through refinancing.
Credit scores as low as 620 accepted
More flexible credit requirements for qualifying borrowers.
Frequently Asked Questions
We'll help you find the perfect loan for you.
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