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. Some rates and fees may vary by state.* Products are subject to availability on a state-by-state basis.
All interest rates listed are for qualified applicants with 740 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income.By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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. Some rates and fees may vary by state.* Products are subject to availability on a state-by-state basis.
All interest rates listed are for qualified applicants with 740 or higher FICO and 80 LTV over a 30-year loan term except where otherwise noted and are subject to mortgage approval with full documentation of income.By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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.
We owe that to a single choice John had made years earlier, as other lenders were making a killing putting borrowers in homes they would never be able to pay for, signing off on the very deals that would lead to the recession.
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.
We owe that to a single choice John had made years earlier, as other lenders were making a killing putting borrowers in homes they would never be able to pay for, signing off on the very deals that would lead to the recession.
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.
For any loan you take out these days, be it auto, business, or mortgage, the lender will charge a percent of the loan amount for the use of their money.
That number is your interest rate.
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.
For any loan you take out these days, be it auto, business, or mortgage, the lender will charge a percent of the loan amount for the use of their money.
That number is your interest rate.
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.
7/1 ARMs are a great way to get a low interest rate, especially if you see yourself moving in the next 7 years.
Get the money you need for your next project while minimizing the interest you'll pay long term.
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.
7/1 ARMs are a great way to get a low interest rate, especially if you see yourself moving in the next 7 years.
Get the money you need for your next project while minimizing the interest you'll pay long term.
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.
Our GreenLight pre-approval is a thing of beauty-once completed, it guarantees you a speedy 21-day closing, leaving you free to focus on more important things (like finding your new home).
If you come to us once you've already found a house, one of our Loan Experts will walk you through an application to get things rolling.
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.
Our GreenLight pre-approval is a thing of beauty-once completed, it guarantees you a speedy 21-day closing, leaving you free to focus on more important things (like finding your new home).
If you come to us once you've already found a house, one of our Loan Experts will walk you through an application to get things rolling.
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.
Now they account for almost a fifth of all new purchase mortgages.
A 30-year fixed-rate FHA loan is a great choice for those looking for a low monthly payment that won't change.
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.
Now they account for almost a fifth of all new purchase mortgages.
A 30-year fixed-rate FHA loan is a great choice for those looking for a low monthly payment that won't change.
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