Apply Now
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.
Apply Now
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
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.
Everything was carefully explained from day 1 . Mr. Goscila answered every question right away and made this stressful process easy . I will be happy to recommend John to others looking for a mortgage . Steve and Ellen Geary
- Ellen G.
John G.
Matt showed the level of care, knowledge, and attention to personal detail that is difficult to find these days. His patience in answering all our questions, no matter how trivial, was highly appreciated. And his team he has working with him made the entire process very easy to understand. I can honestly say if it wasn’t for him we wouldn’t be living in our dream house. We couldn’t recommend him enough if you are beginning your home buying process.
- Patrick T.
Matthew T.
I just want to say how helpful Desmond has been since day one. He helped us get our loan approved and guided us through the entire process, from filling out documents to answering all of our questions along the way. I highly recommend Desmond as your loan officer. You will not regret choosing him! He went above and beyond to help us achieve our dream of getting our house. I truly appreciate you taking the time to answer all of our questions, address our concerns, and make sure we understood every step of the process. You made this experience much less stressful for me and my family, and we are extremely grateful for all of your help, patience, and support. Thank you again, Desmond, for everything you have done for us! We truly appreciate you and all your hard work. Leynette & Alexis🏡
- Leynette O.
Desmond L.
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.
Find your local expert
