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Purchase Rates
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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.
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Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
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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.
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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 66 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.
(Translated by Google) My experience with Débora throughout the entire home financing process was excellent. From the beginning, she demonstrated great professionalism, competence, responsibility, and attentiveness, always available to clarify our doubts and explain each step clearly. A key differentiator that I consider very important is the fact that she speaks Portuguese. For us Brazilians living in the United States who don't have complete fluency in English, being able to count on a professional who speaks our language makes all the difference, especially in a process as important as financing a home, which involves documents, values, contracts, and a lot of information that needs to be well understood. Being able to converse in Portuguese and have all our questions answered gave us much more security and peace of mind throughout the process. Without a doubt, I recommend Débora for her professionalism, knowledge, attentiveness, and the quality of her work. (Original) Minha experiência com a Débora durante todo o processo de financiamento da nossa casa foi excelente. Desde o início, ela demonstrou muito profissionalismo, competência, responsabilidade e atenção, sempre disponível para esclarecer nossas dúvidas e explicar cada etapa com clareza. Um diferencial que considero muito importante é o fato de ela falar português. Para nós, brasileiros que vivemos nos Estados Unidos e não temos total domínio do inglês, poder contar com uma profissional que fala a nossa língua faz toda a diferença, principalmente em um processo tão importante como o financiamento de uma casa, que envolve documentos, valores, contratos e muitas informações que precisam ser bem compreendidas. Poder conversar em português e tirar todas as nossas dúvidas nos trouxe muito mais segurança e tranquilidade durante todo o processo. Sem dúvida, recomendo a Débora pelo seu profissionalismo, conhecimento, atenção e pela qualidade do seu trabalho.
- Lucia A.![]()

Debora V.
Joselyn has been an outstanding lending partner on numerous real estate deals over the years. She's consistently responsive, creative with financing options, and genuinely invested in getting deals across the finish line. She understands that having the right agent on both sides of a deal is critical to success, and she treats every transaction as a true partnership rather than just a transaction. Beyond her lending work, Joselyn recently trusted me to help her find a new office space in downtown Manchester — a great full-circle moment that speaks to the strength of our working relationship. I'd recommend her without hesitation to anyone looking for a knowledgeable, responsive, and creative mortgage broker.
- Amy C.![]()

Joselyn B.
I can't recommend Debora Valdes highly enough for your mortgage needs. Her expertise and professionalism are truly outstanding. From our very first meeting, she demonstrated an in-depth understanding of the mortgage process and tailored her approach to fit my unique situation. Debora's commitment to timely service was impressive. She worked diligently to ensure that my mortgage was processed quickly, without sacrificing quality. I always felt informed and supported, thanks to her clear communication and prompt responses to my inquiries. If you're seeking a knowledgeable and dedicated mortgage professional, Debora is the one to choose. She goes above and beyond to make the experience as smooth as possible. Trust me, you’ll be in great hands!
- Geraldo S.![]()

Debora V.
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