The Total Guide | Total Mortgage Services

The Total Path

Want to learn more about mortgages, home-owning or general finance?
The Total-Path has you covered.

See all guides

Featured Guide

Green Mortgages

Regardless of your particular lifestyle, you should consider the possibilities of modifying your home so that it can become more energy efficient. Whether your home is completed or undergoing construction, you have convenient financing options for energy-saving additions at your disposal.

Read More
No Point No Fee Mortgage

"No closing cost" mortgages are quite popular with consumers, yet the terminology is confusing. Learn how these mortgages work.

Read Guide
Buying a Home without a Realtor

If you are looking at buying a home without a Realtor, there are four major steps you should take to protect yourself and help make your transaction a success.

Read Guide
Overlooked Cities for Recent Graduates

The time has come. Your credits are all in, the papers are done and you’ve donned your gown. It’s graduation time.

Read Guide
Can a non-U.S. citizen get a home loan?

Just because you’re not a U.S. citizen doesn’t mean home ownership is out of reach. Lawful permanent or non-permanent residents can apply for loans just the same as citizens.

Read Guide
Five Tips to Keep Mortgage Refinancing Costs Low

Closing costs usually run about 2.5-5% of the mortgage, so even with your new reduced monthly payments, breaking even on your refinance could take a while.

Read Guide
How Soon Can I Refinance My Mortgage After Purchasing a Home?

Just because you can refinance soon after closing doesn’t necessarily mean it’s right for you. How long you should wait depends on three factors.

Read Guide
Refinance Owner-Occupied Multi-Family Properties

Refinance options for borrowers with owner-occupied multi-family homes have been cut back significantly in the past years, but there are still programs available for well-qualified borrowers looking to refinance their owner-occupied multi-family residence.

Read Guide
Mortgage Refinancing Tips for Self-Employed Borrowers

Mortgage lending standards have become far more stringent in the past couple of years, especially for the self-employed.

Read Guide
Refinancing Your Investment Property

With interest rates as low as they are, now is a great time to look into refinancing—even if your property happens to be an investment property.

Read Guide
Green Home Buying

For many, going green isn’t a fad so much as a way of life. Not only can it save you money, but it contributes to national and global sustainability efforts. So when it’s time to start the search for a new home, it makes sense to look for one that fits your lifestyle and your values. Energy Efficient enviroment

Read Guide
FHA Home Loans With a Non-Purchasing Spouse

In special cases, married home buyers using the FHA program may want to leave one spouse off the mortgage, the title, or both.

Read Guide
Debt-to-Income Ratios for Mortgages

Debt-to-income ratio (DTI) is one of the key factors mortgage lenders use to determine whether or not a potential borrower can afford a mortgage. The debt-to-income ratio is calculated by dividing total monthly debt payments by total monthly income.

Read Guide
Jumbo Mortgage Loan Down Payment Requirements

Jumbo loans, quite simply, are loans that are too large to be eligible for purchase by Fannie Mae or Freddie Mac. In an effort to limit risk, Congress has set a threshold for the maximum loan size that Fannie or Freddie can purchase.

Read Guide
Mortgage Refinancing for Divorce Situations

In the past, if two people couldn’t agree how to handle a shared home, a family court judge simply ordered the house sold and the proceeds split.

Read Guide
Prevent Hazards at Home

This guide walks you through ways you can take action to keep your family healthy and happy at home.

Read Guide
Buying a Home After a Short Sale with an FHA Mortgage Loan

If you are trying to sell a home through a short sale and then buy another home, it is critical that you understand what mortgage options are available to you.

Read Guide
Home Refinance Appraisal Tips

Home appraisals are the number one reason that we have to reject mortgage applications at Total Mortgage. This tips could help you get approved.

Read Guide
Home Buying for Unmarried Couples

If you and your partner are wavering on tying the knot, you may want to think twice before purchasing property together.

Read Guide
Energy Efficient Mortgages

The benefits of “going green” do not simply apply to the environment. You will inevitably save money on utility costs by using approved energy efficient utilities in your home

Read Guide
Home Buying for Same Sex Couples

Purchasing a home is a major undertaking for any couple, but same-sex couples must be especially diligent to make sure their investment and their interests are protected.

Read Guide
Forming a Moving Plan

Moving can be stressful, but with a well thought out plan can make it much easier.

Read Guide
Home Buying Guide

We understand that purchasing a home can be a daunting undertaking.
That’s why we put together the Total Path to Home Buying.

Read Guide
Steps to Refinancing Your Home Loan

Over time, many things change and need adjustment, and the reality is that your home financing is no different.

Read Guide
Home Buying People With Disabilities

The ever-changing times have helped to pave the way for new rights and programs that assist those with disabilities through the home-buying process.

Read Guide
Buying a Second Home

You probably won't be surprised to learn that as mortgage lending guidelines have become stricter, it has also become more difficult to refinance a second home, vacation home, or investment property.

Read Guide
Financial Planning For Military Servicemembers and Veterans

As a current military member or veteran, your life is far from what most consider normal. Plenty of civilians have a rough time keeping their finances straight.

Read Guide
Understanding Your Credit

Understanding your credit is an essential skill in modern American life. Credit is a tool you can use to facilitate and enhance your life and lifestyle.

Read Guide