our mission

Make home financing clearer, faster, and more human so every borrower feels confident from application to closing

about us

Total Mortgage was founded in 1997 by John Walsh, a former loan officer who saw firsthand that the industry could be better. He built a company designed to truly support loan officers and the way they actually work.

What started as a three-person operation has grown into a national lender with more than 450 employees. During the 2007 housing crisis, one principle guided every decision: only approve loans we knew our borrowers could afford. That discipline helped us navigate one of the most challenging times in the industry and it continues to define who we are today.

Our culture is built on support, collaboration, and a willingness to step in for one another. That mindset carries through to how we serve our borrowers. We don’t just quote rates, we problem-solve, educate, and guide people toward responsible paths to homeownership.

As we continue to grow, we remain focused on raising the standard. We invest in our people, processes, and technology, while actively listening to feedback from those doing the work every day.

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What our clients say

Working with Carolina Callaghan as my mortgage broker was a wonderful experience. She was knowledgeable, professional, and always available to answer my questions throughout the entire home-buying process. Carolina made what could have been a stressful experience feel much easier by keeping me informed every step of the way and helping me find the best options for my situation. I truly appreciated her patience, dedication, and attention to detail. Thanks to her hard work, I was able to successfully close on my home with confidence. I highly recommend Carolina Callaghan to anyone looking for a trustworthy and experienced mortgage broker. Thank you, Carolina, for all your help and support! 🏡✨

Nathalie E.

thelenderlist

What our clients say

I have been looking to purchase a house for the past couple of years. After contacting James Khoury, he made the process to apply and purchase a property such a smooth transaction. He was also very competent and knowledgeable. I cannot thank him enough and will refer and do business with him in the future. George raad

Fady R.

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What our clients say

Nic and his team were a pleasure to work with and stayed on top of everything. I highly recommend them!

Ryan F.

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What our clients say

It a wonderful pleasure working with John Goscilla as my loan officer he pretty fast on getting everything done I would recommend him to anyone looking too purchase their home.

Venessa P.

thelenderlist

What our clients say

Anthony and Ebiner Vicente , went above and beyond to assist me with the whole process, answering all my questions. They were very professional and reliable. I thank them so much to making the process smooth and accomplished !!! I 100% recommend total mortgage to anyone looking to sell or buy.

Carlina E.

thelenderlist

What our clients say

The process was clear and simple! There were minor issues with the app itself, the links in the email worked better than the app. The loan officers were sweet and kind, they clearly explained and made excellent advices.

Sophia S.

thelenderlist

What our clients say

Professional, always accessible, knowledgeable & just great to work with! Highly recommend him as your mortgage broker, the best we worked with!

Ey L.

google

What our clients say

We had an amazing experience working with Tracey and Jennifer at Total Mortgage. They helped make the process extremely smooth and easy to understand and are both very kind. We would always recommend choosing them!

Hazal K.

thelenderlist

What our clients say

Dominic was excellent—made the home buying process simple, explained everything clearly, and was super responsive. He got me a great rate too. Highly recommend! Five stars.

Aannas73

zillow

What our clients say

I cannot say enough about how helpful Denise was throughout this entire process. If you're considering a mortgage or a HELOC, don't put it off, Denise will make it easier than you ever thought it could be!

Corbin B.

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