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Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
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
We're in your neighborhood.
We are licensed in over 47 states and territories with over 65 branches – wherever you are, we have an expert for you!
Find a loan officer near you
Not sure where to start?
You're not alone, and that's why we're here. Check out our FAQs and let the experts guide you forward.
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.
Great service to find the best mortgage for the first time homebuyers!
- Elena P.
Suzanne G.
Working with Nick Caparosa and the entire Total Mortgage team was an excellent experience from beginning to end. As a first-time homebuyer, I had many questions throughout the process, and everyone was patient, responsive, and always willing to explain each step clearly. Nick and his team kept me informed, addressed my concerns promptly, and worked hard to make sure everything moved forward smoothly through closing. Buying a home can be stressful, but their professionalism, knowledge, and dedication gave me confidence throughout the entire journey. I truly felt that they cared about helping my family and me achieve our dream of becoming homeowners. I’m extremely grateful for all their guidance and support, and I highly recommend Nick Caparosa and the entire Total Mortgage team to anyone looking for a trustworthy, dependable, and professional mortgage team.
- Medardo U.
Nick C.
Incredibly knowledgeable and easy to work with!!!
- Gillian G.
Joselyn B.
Buyer toolsjust for you
Calculate payments, estimate your budget, and determine refinance savings in seconds.
Crunch the numbers
We have branches across the country. Check to see if we're in your neighborhood.
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