Take Your Realtor Business to the
Next Level with Total Mortgage

You work hard helping your clients find the perfect home, so you shouldn’t have to worry about what’s going on with their mortgage.

When you team up with Total Mortgage—you won’t have to.

That’s because we have a fine tuned mortgage experience that gets eager buyers into homes in a smooth and timely manner.

Buyers Love Our 21 Day Guarantee*

Our loan process has been refined over the twenty years we’ve been in business to the point where we guarantee that we’ll close your client’s mortgage in 21 days or less, or their first mortgage payment is on us. Learn more here*.

Part of the reason we can offer this is the fact that we keep all our processing and underwriting in-house, giving us complete control over your clients’ files, from start to finish.

We know that the mortgage process can be stressful, but there’s no need for buyers (or yourself) to worry about missing a closing date and paying extension fees.

With our streamlined mortgage process everything happens in an orderly and efficient fashion, leaving buyers satisfied and in their new homes in no time.

21 Day Guarantee*
my mortgage realtor

Communication is Effortless with MyMortgage

Say goodbye to poorly-timed phone calls and endless email chains. We’re proud to introduce MyMortgage, the multi-device mortgage assistant that moves with your clients and you.

All of our loan officers have their own logins, and so will you. You can follow alongside your client every step of the way, and the communication is effortless from beginning to end. A streamlined process you can see in real time, on any device you choose.

As your clients reach the next milestones, everyone will be alerted. That way you’re all on the same page, the entire time. Our loan officers love it, and we think you will too.

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Build a Loan

A Product for Every Buyer

Help your client find the perfect home. We’ll find them the perfect mortgage.

We know just how important a wide range of products are when you’re trying to help a buyer get into a home. Whatever your needs, we have something for you.

Standard Loans

Conforming Loans

  • Direct to Fannie and Freddie without credit overlays
  • High balance and super conforming
  • HomeReady® and HomePossible®
  • Co-ops
  • LPMI

Jumbo Loans

  • Multi-investor options available for prime and non-prime jumbos
  • Fixed, ARM and Interest-Only
  • Loan amounts to 3 MM
  • Non-permanent resident aliens
  • Co-ops

Government-Insured Loans


  • Min CS 500
  • No FICO allowed with non-traditional credit
  • Manual UW allowed
  • NCQ Streamline Refi – No max LTV or min FICO
  • High balance
  • 203k


  • Purchase or Cash Out
  • 100% Financing


  • Purchase
  • Refinance, streamline refinance, pilot streamline

Non QM Products

  • Conforming and jumbo loan amounts
  • Interest only
  • DTI’s over 50
  • Non-warrantable Condos
  • Co-ops
  • Non-permanent resident alien
  • Title held in: partnerships and corporations
  • Foreign national
  • Bank statement income
  • 1 year tax return
  • Asset utilization for income
  • Investor Program with unlimited Properties
  • 12 months BK
  • FC/SS/DIL- settled
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Founding Mission

John Walsh challenged the mortgage industry in 1997 when he decided that he could reduce the hassle of getting a mortgage with the right preparation, process, and people.

And it worked.

For over 20 years now, Total Mortgage Services has combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys.

Our Customers Love Us

We have an A from the Better Business Bureau, and an over 95% customer satisfaction rating. Plus, we’re constantly getting bigger and better. Check us out on Google, Facebook, or Zillow to see what all the hype is about!

5 star reviews


Once you’ve realized that you and your clients could benefit from what Total Mortgage has to offer, we have a smooth transition process in place to get you up and running in no time.

It all starts with an onboarding phone call with our Branch Manager, Stephanie Monteiro. She'll walk you through everything from our loan process to how to get you set up on our app.

Of course, Stephanie will also be more than happy to discuss any questions you might have and will be your main point of contact moving forward.

Stephanie Monteiro

Stephanie Monteiro

Branch Manager | NMLS #1872982