Tom and his staff work 100 mph and are very, very efficient. My wife and I were able to Close on our house ahead of schedule and we couldn't be happier with the service we were offered. I will be referring Tom to all of my friends and family. Mortgage rates are volatile and subject to change without notice.
All rates shown are for 30-day rate locks with two points for an owner-occupied primary residence unless otherwise noted. The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee.
All rates shown are for 30-day rate locks with two points for an owner-occupied primary residence unless otherwise noted. The APR for adjustable rate mortgages (ARMs) is calculated using a loan amount of $417,000, two points, a $495 application fee, $400 appraisal fee, $995 underwriting fee, $10 flood certification fee and a $20 credit report fee.
Services
In 1997, John Walsh started a mortgage company. It was a simple enough decision on its face-after years in the industry, he had the experience, the know-how, and a briefcase full of big ideas. Over the next decade, his company grew from a tiny 3 person shop to a national lender. And when the housing crisis leveled the mortgage industry in 2007, Total Mortgage was one of the few lenders to survive intact.
If you're thinking about buying or refinancing in 2020, you're in luck. Mortgage rates, which have been hovering at multi-month lows, are projected to remain at low levels throughout the year. We want to lend you money, but we also need to pay the (awesome) people who make it happen. That's where charging interest comes in.
If you're looking to pay off your home quickly (and save on interest in the process), this mortgage may be just the thing for you. A 5/1 ARM offers some of the lowest mortgage interest rates available-perfect for when you plan on moving in the near future. Loans from the Federal Housing Administration have less stringent requirements and lower closing costs than traditional loans.
This step, which comes before you choose a house, isn't technically required. It can save you a headache, though. When you get pre-approved, one of our Loan Experts will take your information, calculate what you can afford, and give you a letter that you can use to back up the offer you make on a house.
FHA loans are insured against default by the Federal Housing Administration. That means they come with some nice benefits, including less stringent requirements, a lower down payment threshold, and lower interest rates. Originally, FHA loans were created with lower-income borrowers in mind. Ever since the housing crash, though, they've become popular across all income levels-especially among those with "just okay" credit.
Reviews (10)
Tease Clean Heart
Dec 19, 2021
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Joseph McLoughlin snd the entire Team at Total Mortgage are absolutely amazing. Joe was knowledgable, understanding, honest, reliable, direct, and did I write amazing? The process was simple please be ready and dedicated. Trust the process because they will help you to the best of their ability. I would recommend Joseph; he was wonderful and did I write amazing? Please know this review is genuine and true. THANK YOU SO MUCH FROM MY HEART JOE !
Elif Stephens
Nov 22, 2021
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We bought our first house with the help of total mortgage. We worked with Chris, Lorena and Darren throughout the proccess. They walked us thru all the steps, explained eveything, answered all our questions, were always responsive no matter what time it is, and most importantly, supported us like a family until and after the closing! We feel lucky to have found them and strongly recommend them! Thank you team!
Ev B.
Oct 27, 2021
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Samuel Magharious
Sep 07, 2021
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They’re professionals and problem solvers. While I was interested in purchasing a condo/townhouse, I needed FHA single unit approval aka FHA spot approval. While most mortgage providers didn’t want to go through the process, Total Mortgage took the extra step and got me the approval. I almost gave up on the idea of purchasing any property, but thanks to Shea and Michael the process went very smoothly. I definitely recommend this place.
Jimychichi
Sep 05, 2021
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This is the second time working with Suzanne and her team for a home purchase almost 10 years apart on each. Experience working with her team was as stress-free as buying a home and could tell throughout the entire process that we would close on time or early. Would have and still do recommend to friends family and anyone who will listen! If you’re looking to get your purchase or other services done quickly and correctly give them a shot.
Mohammed Khaliefa
Jul 01, 2021
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I worked with Marc from Total Mortgagee to re-finance my home mortgage. He was able to get me the best re-finance rate that I have ever got. He is one the most awesome, responsive, knowledgeable Mortgage Officers I have ever worked with. He was very patient answering all my questions ,which are a lot. He was very responsive and educative at the same time. He and his team were able to walk me through the process form A-Z with no gotchas or surprises found.
Tamara Harding
Jun 21, 2021
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Thank you so much Denis Russo and your team at Total Mortgage for working so diligently with me. I had a good experience and I am happy with the process. Thank you for taking the time out and working along side my goals. I will use you guys again in the future and will sure recommend you guys. Thank you again
Steph Ziebell
Jun 15, 2021
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As a first-time homebuyer, I had no idea what to expect from this process but Richard the team at Total Mortgage made it as easy as possible! Everyone was very responsive and more than happy to clarify details or answer any questions I had. I was able to close on time, in fact, everything was clear and ready early! Our attorney was impressed with how on top of everything the team at Total Mortgage was. I would absolutely work with them again.
Mike Robinson
Jun 01, 2021
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Victoria is simply the best lender I have used in my 10+ years in Real Estate as a Realtor. I had a deal falling apart because my client's lender could not perform on their condo purchase. As I was typing out the termination, I was told about a lender who could perform almost every condo, home, etc.so I called Victoria and a short time later, we closed on the very condo. I have used Victoria @ Total Mortgage exclusively since and my clients love her. Their words are "Patient, over communicates, fully transparent, easily accessible, always calls back" are just some of the praise I get for her. I
Danielle Helms
Apr 20, 2021
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I couldn’t have asked for a more seamless process or a better person to handle my mortgage. Jon was there every step of the way to guide me in making educated decisions and to make sure I was getting the best option. He was always available and in communication and explained things thoroughly. I highly recommend Jon for all of your mortgage and refinancing needs!
