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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!
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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.
Kelly and her team at Total Mortgage were wonderful to work with! They were quick to communicate through the entire process and answered any and all questions that we had. Cannot recommend them enough!
- Liza H.
Kelly T.
🏡🔑 A HUGE & HEARTFELT SHOUTOUT! ❤️ I want to take a moment to give the BIGGEST shoutout to Richard Breed and his incredible team: Bridget, Carl, Colleen, and Alexandria. I truly hope I didn’t miss anyone! 🥹❤️ Words honestly cannot express how grateful I am to have had all of you by my side throughout this homebuying journey. From beginning to end, you were there every single step of the way. You set clear expectations, kept communication open and consistent, and were always just one phone call, text, or email away whenever I had a question, concern, or simply needed reassurance. Thank you for staying on top of EVERYTHING throughout the entire transaction, for guiding me through every step, and for working so hard behind the scenes to keep everything moving forward. I know there were so many details involved, and I want you all to know that your hard work, dedication, patience, and commitment did not go unnoticed and never will. ❤️ This journey was more than just a transaction for me. It was the journey toward owning my DREAM HOME 🏡😭🔑, and I am beyond grateful that I got to experience such an important milestone with such an amazing team supporting me. WE DID IT!!! 🥹🎉🏡🔑 Richard, Bridget, Carl, Colleen, Alexandria, and everyone else who played a part in making this happen, THANK YOU FROM THE BOTTOM OF MY HEART! ❤️
- Winifer T.
Richard B.
Chris is amazing. He’s extremely knowledgeable, very kind, and will help you with any and all questions you have (big or small!)
- Daniel L.
Chris G.
Buyer toolsjust for you
Calculate payments, estimate your budget, and determine refinance savings in seconds.
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