Our Promise to Your Buyers:

We’ll close by our projected closing date, or your first mortgage payment is on us*

5 star reviews

Total Mortgage stands by our word. Moving is stressful enough for buyers. The last thing they (or you) need is a lender who misses the closing date—and then charges extension fees.

With our OnTrack Guarantee, we promise that we’ll close your buyer’s purchase loan on time.*

*Terms and conditions apply. Click here for details.

How long do you generally take?

Some loan programs take longer to close than others, but for the simple purchase programs that most borrowers go for, we average around 30 days from the application to the closing table. That’s 1-2 weeks faster than most big banks.

What happens if you fall behind?

We won’t. But if we do miss your buyer’s closing date, we’ll make it up to them by making their first mortgage payment and paying any extension fees. It’s the least we can do.

How do you move so quickly?

Our Mortgage Experts are trained to guide our borrowers through the whole process, so that their loan is always moving. We’ve also spent years tweaking our underwriting process to maximize efficiency and spot potential roadblocks before they become a problem.

What if my buyer’s last lender failed?

We work directly with Fannie Mae and Freddie Mac, which gives us more flexibility than some other lenders. While we can’t guarantee to approve a loan sight unseen, if it’s possible for us to close it, we’ll find a way.

What if my buyers haven’t settled on a house yet?

If your buyers are still very early in the process, point them toward our GreenLight approval program. Once completed, it allows us to guarantee them a speedy 21-day closing.*


*Terms and Conditions Apply. For complete details click here.

Jay Johnston

Jay Johnston

Branch Manager/VP, Mortgage Banker | NMLS #149795

Closing on time is really that simple. Reach out to one of our experts to learn more about our OnTrack guarantee.