Guam NMLS# 2447090

1350 North Marine Corps Drive, Upper Tumon, GU 96913

We're excited to provide Guam with expert mortgage knowledge, personal service, and low rates. Whether you need help buying a home, refinancing your current one, or just figuring out where to start, we can help. Our team collectively has the years of experience needed to ensure a smooth and educational financing experience every time.

When you want to work with the best, look no further. Get in touch with the Total Mortgage Guam team!

Apply Now
House

The selection you need at the interest rate you want.

Apply now

Testimonials

Gen and the Total Mortgage company was great to work with. As a first time homebuyer they made the process simple and smooth. And the Total Mortgage app was a key tool, allowed me to track documents and knowing what was going to happen next. Definitely recommend Total Mortgage if you’re a first time homebuyer or trying to purchase a new home.

Hance B.

thelenderlist

Testimonials

⭐️⭐️⭐️⭐️⭐️ Outstanding Experience with Total Mortgage and Gen Calvo Working with Gen Calvo from start to finish made my home refinance experience smooth, stress-free, and efficient. Gen was patient, professional, and always kept me updated throughout the process. She provided clear directions and explained each next step in a way that made everything easy to understand. I especially appreciated the Total Mortgage online portal—it was well organized, user-friendly, and made uploading and signing documents so much easier. Mortgage paperwork can often feel overwhelming, but this digital process was seamless and convenient. Gen’s knowledge of the market and her consistent communication—both through the portal and by text—gave me confidence at every stage, right up to the funding. The entire Total Mortgage team, including their stateside support staff, was also friendly, responsive, and helpful. I highly recommend Gen Calvo and the Total Mortgage team to anyone looking for a smooth, transparent, and professional mortgage experience.

Mary L.

thelenderlist

Testimonials

She is hands down the most professional, kind , diligent officer we've ever had the pleasure of working with. Thank you for making it happen, Wendy!

Louelito V.

encompass

Testimonials

The communication and support we got from Wendy. And the amazing process.. so fast! We did not get bored waiting 🤭 Without it, we would never reach our goal. We love how detailed, clear and straight forward she is when communication with us thru email. And the way she give us an advise, what a great experience!

Carla L.

encompass

Testimonials

Wendy made our experience easy and quick She was very quick to respond to our questions and was very knowledgeable. She made the process smooth and we were able to close a lot quicker than I expected.

Charel L.

encompass

Testimonials

Wendy is the main reason the entire home purchasing process went as smooth as it possibly could be. Not matter the time difference, Wendy was in constant communication with us explaining what seemed to be the most complex items with such ease and understanding. Wendy worked effortlessly with all parties involved in the transaction and was able to complete tasks in record time and error free. All our interactions with Wendy with professional but most importantly reassuring as first-time home buyers. 100/10 would recommend Wendy to anyone especially first-time home buyers.

Dareon-lou R.

encompass

Testimonials

Miss Wendy was the most professional and efficient agent I have had the pleasure to have work with. She is very quick and responding to any questions and was always available. I would 110% recommend her to others.

Aoi S.

encompass

Testimonials

She responds very quick for all our inquiries and how she explains was easy to understand for us as a first time house buyer.

Michiko R.

encompass

Testimonials

Wendy was such a pleasure working with! She's on top of everything fromn emails/follow ups/schedules and made the whole loan process a breeze. I will definitely work with her again in the future. Thank you Wendy and Team!

Jeremy C.

encompass

Testimonials

Wendy was exceptionally helpful and knowledgable, providing clear and thorough explainations for us.

Rawena S.

encompass
Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed rate mortgage is as low as 6.375%. Get a personalized quote in just a few minutes.

Above rates last updated December 13th 2025, 12:30pm EST.

Crunch the numbers

Calculate payments, estimate your budget, and determine refinance savings in seconds with our mortgage calculators.

Mortgage Calculator