Update: Total Mortgage is still closing loans during the government shutdown.
;

landing the lowest monthly payment

Our options help you minimize your payment while maintaining your flexibility.

how can I keep my payments low?

Want to buy a home, but worried you might have to move again soon? Buying instead of renting can save you money (potentially a lot of it), even if you’re not sticking around for your full term.

When you pay your mortgage each month, you’re actually building equity that you can get back when you sell the house. Combine that fact with an adjustable rate mortgage (or ARM), and you can keep your monthly payments low while still maintaining your flexibility.

what's an ARM?

Basically, ARMs start with a fixed-rate initial period and then later switch to an adjustable interest rate. They offer several advantages, such as:

  • Initial interest rates that are lower than standard 30-year fixed rates.
  • Lower monthly payments allow you to maximize your cash flow.
  • Options when it comes to how long that initial period lasts, how often the rate adjusts afterward, and even what the rate is capped at.

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.