Lower Monthly Mortgage Payment | Low Mortgage Rates | Total Mortgage

Lower Your Monthly Payment


Is it time to lower your monthly mortgage payments?
Find out what options may be available to you.

Fixed Rate Mortgage

How can I lower my mortgage payments?

When you refinance your mortgage, you’re basically swapping it out for a new one, complete with new terms, interest rates, and payments. Mortgage rates have been very low recently. That means you’re in the right place to potentially cut your home payments.

Great. What are my options?

You have a lot of them. Ready?

An FHA Streamline Refinance is a good choice if you have an FHA loan. It’s fast and relatively simple.

A HARP refinance can help if you bought your home before the housing bubble burst and now feel pinched. Even if you’re underwater, you can still refinance.

A VA Streamline Refinance is the way to go if you have a VA loan, a special program designed for active-duty military and veterans. Like with an FHA streamline, the process is fairly simple and fast.

A rate and term refinance is the most popular type of refinance. It allows you to adjust your interest rate and term length, which is a smart option if you need a lower monthly payment or reduce the total amount of interest owed over the length of your loan.

A second property refinance has a few quirks, but you’re in luck. We’re experts in financing investment and vacation properties as well as second homes. Contact us for more details.

None of the above? Give us a call, live chat, or fill out the form on the right and let our mortgage experts find the option that works best for you.

Why choose Total Mortgage?

We’re fantastic at what we do, and all we do is mortgages.

Get a personalized rate quote.
Call 203-349-9574 or fill out the form to get started.