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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.
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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.
Buy
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.
Refinance
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.
Rates
Resources
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.
Customers
About
FINDING YOUR LOAN
Where do I make my payments?
You will receive instructions by email and in the mail on where to send your first loan payment. Your first payment may be to Total Mortgage Services, or your loan may have been transferred to another servicer. Use the search below to locate your loan.
Contact Loan Servicing
We're here for all your questions regarding initial mortgage
payments, servicing, or 1098 tax forms.
I just closed on my loan with Total Mortgage. What does "servicing" mean?
Loan servicing includes the collection on your loan payments, questions about your taxes and insurance distributions, questions regarding your escrow account and end of year 1098 statements.
How do I contact the Total Mortgage loan servicing department?
You can reach the loan servicing department by email at servicing@totalmortgage.com or call the servicing department directly at 877-820-6031. Our detailed loan hours are Monday through Friday, 9AM–5PM EST.
When is my first payment due?
Your first payment date can be found on several closing documents such as the first payment letter. Please note, the first payment letter is not a bill, but an information notice which outlines your first payment due date. Please keep an eye out for further correspondence online via electronic or regular mail. All loan payments are due on the 1st of the month, but there are set grace periods before a penalty can be applied.
I received an interim servicing bill from Total Mortgage stating that they will be collecting my payments until I make a payment?
Payments can be made online upon what has enabled your monthly statement. You can also send your payment to us via traditional mail. To pay by mail, please send your payment to: Total Mortgage Services, LLC Attn: Loan Servicing 165 Mason Road, 3rd Floor Milford, CT 06461 Include the payment coupon attached to your bill or write your loan number and property address in the check memo.
I received a Servicing Transfer notice, what does this mean?
Your loan is being transferred, meaning that you will be making payments to a new loan servicer. Please read this letter carefully as it contains specific instructions about the effective transfer date, where to mail your payments, the new servicer's customer service hours, toll free telephone number and mailing address for written correspondence.
I made my payment to Total Mortgage, but I just received a notice that my loan was transferred to a new servicer. What do I do?
When any payment is received each month, our servicing team reviews your account to determine whether Total Mortgage or a new servicer should receive the funds. If your loan has been transferred, Total Mortgage will forward any payments received to your designated servicer on your behalf.
I paid my taxes and insurance at closing, why am I making monthly payments for escrow?
Escrow accounts are established so that sufficient funds are in your accounts at the time that your next tax installment or insurance premium is due. If you have an escrow account, funds will be collected monthly for taxes, insurance, or both. Your servicer is responsible for remitting payment for escrowed items through the funds held in your escrow account.
I need to file my taxes; when will I receive my 1098 Mortgage Interest Statement?
Mortgage Interest Statements are mailed to all qualified borrowers on January 31st for the prior year. Please see the IRS website for the minimum threshold to receive a 1098 Mortgage Interest Statement. If you did not receive a 1098 Mortgage Interest Statement or if you would like to file your taxes sooner than January 31st, you may bring your closing documents to your accountant.