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

my home has lost value

If your home’s value has dropped since you bought it, there’s a refinance program that might help.

I owe more than my home is worth

You’re not alone. When the housing bubble burst and home prices plummeted, millions of Americans found themselves in your position.

The good news is that you have options. Just because your refinancing options are limited doesn’t mean they don’t exist.

Your best bet? Look into refinancing with HARP.

what's HARP?

HARP stands for Home Affordable Refinance Program. It was enacted in 2009 to give people like you—who have kept up to date on an underwater mortgage—a way to refinance loans that have, historically, been difficult to refinance. A revision of the program in 2012 opened it up for even more people.

If you want to know what this means for you, or even what it takes to qualify, call, live chat, or apply for a free rate quote today.

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.