Update: Total Mortgage is still closing loans during the government shutdown.
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buying my first home

First homes can be a challenge in more ways than one.

where do I start?

First of all, congratulations. Buying a house is a big financial leap. Luckily, our mortgage experts are here to make the homebuying process as easy as possible.

The first step in any homebuying transaction is to get pre-approved. This helps determine how much you can afford to spend on a home and conditionally commits the lender to financing purchase in that price range.

For more information—or to get your free rate quote—call us, chat online, or fill out our form here.

which loan should I choose?

With so many loan products available these days, navigating through all the choices can be tough. While many buyers opt for a standard 30-year fixed-rate loan, there are some other really great options for first-timers.

ARM loans offer the lowest initial interest rates of any loan product, but increase after an introductory fixed period. This is a great choice if you want to minimize your monthly payments and plan to move or refinance in the near future.

FHA loans are advantageous for first-time homebuyers who don’t have much money to put down. They have less stringent credit and underwriting requirements, and down payments start as low as 3.5%.

VA loans offer special benefits to veterans and are one of the few mortgage options that require no money down.

Let us help you find the perfect loan for you.

21 Day Guarantee

Tight moving deadlines? No problem! Meet even the tightest deadlines with our 21 day purchase closing guarantee.*

For almost twenty years, we’ve done nothing but residential mortgages. That’s a lot of experience—and a lot of expertise. We do everything in-house, so our mortgage professionals can guide you through our streamlined process, from credit check to closing.