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Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
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Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today's options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Products
Navigate all our loan product options and find the perfect loan for you.
Our Story
Learn more about our mission to provide local lending expertise at the national level.
Why join Total Mortgage?
From day one to closing day, see why home buyers choose Total Mortgage for a smooth lending experience.
Community Foundation
A 501(c)(3) nonprofit by Total Mortgage supporting local youth and families through fundraising and community service.
Making home possible.
Crunch the numbers
Calculate payments, estimate your budget, and determine refinance savings in seconds with our mortgage calculators.
Our mission is to make the mortgage process simpler for homebuyers
$15.5B+
Closed Loan Volume
30,469
First-Time Homebuyers
52,496
Closed Units
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We are licensed in over 47 states and territories with over 65 branches – wherever you are, we have an expert for you!
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Frequently Asked QuestionsTestimonials
What clients are saying
From first-time buyers to seasoned homeowners, see how we've made a difference for clients just like you.
I enjoyed working with Taylor Perkins and appreciate her patience and vast knowledge throughout the mortgage process, including taking the time to explain each step along the way. I would recommend Taylor in your home buying or refinancing journey.
- Timothy D.
Taylor P.
⭐⭐⭐⭐⭐ We had a long and challenging journey to get our house closed, and Denise was there every step of the way. From the very beginning to the final closing, she showed incredible patience, professionalism, and dedication. No matter what obstacles came up, Denise worked hard to keep everything moving forward and always kept us informed throughout the process. Her commitment and persistence made all the difference in helping us successfully close on our home. I am truly grateful for all of her hard work and support. If you’re looking for a knowledgeable and reliable real estate professional, I highly recommend Denise. I look forward to working with her again in the future!
- Homero D.
Denise P.
As a first-time homebuyer, I couldn't have asked for a better mortgage broker than Kevin Richardi and his team. From start to finish, they made what could have been a stressful process incredibly smooth and easy to navigate. Kevin and his team were consistently responsive, patient, and willing to answer every question I had along the way. They took the time to explain each step of the process, which gave me confidence and peace of mind throughout my home-buying journey. One of the things I appreciated most was their easy-to-use online portal, which made uploading documents, tracking progress, and staying organized simple and convenient. Communication was excellent, and I always felt like a priority. Kevin and his team worked hard to ensure everything stayed on track and were proactive in addressing any issues before they became problems. Their professionalism, expertise, and dedication made a huge difference. I highly recommend Kevin Richardi and his team to anyone looking for a mortgage broker, especially first-time homebuyers. They truly made the experience enjoyable and helped turn my dream of homeownership into a reality.
- Dominic P.
Kevin R.
Buyer toolsjust for you
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