Loans Program
🏡 Total Mortgage: Your Path to Homeownership Made Simple 🏡
At Total Mortgage, we offer a variety of loan programs designed to meet your needs, whether you're a first-time homebuyer, looking to upgrade, or refinancing. Explore our solutions:
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Conventional Loans: Secure stability with fixed-rate mortgages offering predictable monthly payments.
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Government-Backed Loans: Flexible options like FHA, VA, and USDA loans provide low down payments and accessible financing for buyers in various circumstances, including rural properties and veterans.
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Jumbo Loans: Ideal for financing high-value properties beyond conventional loan limits.
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Renovation Loans: Combine purchase and renovation costs into a single loan, perfect for upgrading your dream home.
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Adjustable-Rate Mortgages (ARM): Start with lower initial rates, ideal for short-term plans.
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Refinancing Programs: Simplify refinancing to reduce rates or monthly payments through FHA and VA streamlined options.
Your dream home is just a loan away. Let us guide you every step of the way!
Loan Programs Tailored for You 🏡
Explore the options we offer to make your dream of homeownership a reality. ✨
Conventional Loans:
📌 30-Year Fixed-Rate Mortgage:
✔️ Predictable monthly payments.
✔️ Fixed rate for the entire loan term.
✔️ Ideal for those seeking long-term stability.
Jumbo Loans:
✔️ Designed for high-value properties.
✔️ Exceeds conventional loan limits.
Adjustable-Rate Mortgages (ARM):
✔️ Lower initial interest rates.
✔️ Rate adjustments based on the market.
✔️ Great for those planning to move in a few years.
Government-Backed Loans
📌 FHA Loans:
✔️ Perfect for buyers with lower credit scores.
✔️ Low down payment requirements.
✔️ Easier access to homeownership.
📌 VA Loans:
✔️ Exclusive for veterans and military members.
✔️ No down payment required.
✔️ Special benefits for those who have served.
📌 USDA Loans:
✔️ Financing for rural properties.
✔️ Zero down payment for eligible buyers.
✔️ Support for less urbanized areas.
Refinancing Programs:
📌 FHA Streamline Refinance:
✔️ Fast and simple process.
✔️ Fewer documentation requirements.
📌 VA Streamline Refinance (IRRRL):
✔️ Easily lower your rates.
✔️ Designed for current VA loan holders.
Renovation Loans:
📌 FHA 203k Loan:
✔️ Combine home purchase and renovations into one loan.
✔️ Ideal for properties needing upgrades.
📌 Homestyle Renovation Loan:
✔️ Finance renovations directly into your mortgage.
✔️ Perfect for creating your dream space.
📌 Cash-Out Refinance
✔️ Tap into your home’s equity to fund major expenses, such as renovations or debt consolidation.
✔️ Retain competitive interest rates while accessing needed cash.
Why Refinance with Total Mortgage?
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Competitive rates.
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Personalized support from expert loan officers.
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A simple, streamlined process from start to finish.
Contact
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