Total Mortgage Services Reviews
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About Total Mortgage Services
Total Mortgage Services (NMLS #2764) offers a wide range of mortgage products, including conventional, government-backed and jumbo loans. It’s licensed in 46 states and Guam, and it has 63 physical branch locations. It was founded in 1997 and is headquartered in Milford, Connecticut.
- Wide range of mortgage products
- Offers prequalification
- Publishes current rates online
- Not available in four states
- Doesn’t disclose fees online
Total Mortgage Services rates
Total Mortgage Services publishes its current rates for some of its loans on its website. All annual percentage rates (APRs) in the table below are accurate as of April 8, 2026.
| Loan type | APR |
|---|---|
| 30-year fixed | 6.981% |
| 15-year fixed | 6.484% |
| 7/6 ARM | 7.092% |
| 30-year FHA | 6.866% |
| 30-year VA | 6.334% |
For more accurate rates based on your situation, it’s best to contact Total Mortgage Services or get prequalified on its website, which doesn’t involve a hard credit check.
Generally, mortgage rates vary based on your credit history, the type of loan, the loan amount, your down payment and the loan term.
Total Mortgage Services loan types
Total Mortgage Services offers a variety of mortgage products, including:
- Conventional loans
- Federal Housing Administration (FHA) loans
- U.S. Department of Veterans Affairs (VA) loans
- U.S. Department of Agriculture (USDA) loans
- Jumbo loans
- Co-op loans
- Non-qualified mortgages (non-QMs)
- Renovation loans
Total Mortgage Services’ conventional loans and jumbo loans are available with fixed rates or as adjustable-rate mortgages (ARMs). It also offers home equity lines of credit (HELOCs) and rate, term and cash-out refinance options.
Total Mortgage Services application process
Total Mortgage Services’ application can be completed online or in person at a branch. To apply online, you’ll need to create an account first. Generally, be prepared to provide information about your income and assets so that Total Mortgage Services can determine how much you can borrow.
Total Mortgage Services application process features
The table below shows some of Total Mortgage Services’ application process features:
| Features | Availability |
|---|---|
| Online application | |
| Mobile document upload | |
| Publishes rates online | |
| Offers rate lock | |
| Offers prequalification (no hard credit check) | |
| Certified approval letter | |
| State availability | 46 |
| Number of branches | 63 |
Total Mortgage Services requirements
Total Mortgage Services doesn’t publish its specific requirements for its loans, though it does provide general guidelines for borrowers. The table below shows some typical requirements borrowers must meet to take out different types of loans, according to Total Mortgage Services.
| Loan type | Minimum credit score | Minimum down payment | Compare with other lenders |
|---|---|---|---|
| Conventional | Typically 620 | Typically 3% | Mortgage lenders |
| FHA | 500 or 580 | 3.5% or 10% | FHA lenders |
| VA | Typically 620 or higher | 0% | VA lenders |
| USDA | 640 | 0% | USDA lenders |
| Jumbo | 680 to 700 | 10% to 20% | Jumbo lenders |
Total Mortgage Services maximum debt-to-income ratio
Total Mortgage Services doesn’t disclose its debt-to-income (DTI) ratios for all of its loans. For jumbo loans, it generally recommends a DTI ratio of less than 45%, and for non-qualified mortgages, it recommends a DTI ratio of less than 43%.
Total Mortgage Services costs and fees
Total Mortgage Services doesn’t disclose its costs and fees online, but you can generally expect to pay closing costs, which are typically between 2% and 5% of your loan amount.
How does Total Mortgage Services compare?
Total Mortgage Services offers similar purchase and refinance options as other lenders. Here’s how it compares with some other mortgage lenders.
| Company | Purchase options | Refinancing options | Minimum credit score | |
|---|---|---|---|---|
Total Mortgage Services | Learn More | Conventional, FHA, VA, USDA, jumbo | Cash-out, rate, term | 580 to 700 |
 21st Mortgage Corporation | Learn More | Manufactured and mobile homes | Cash-out, rate-and-term | No minimum |
 AmeriSave Mortgage | View Rates | Conventional, FHA, VA, USDA, jumbo | Cash-out, rate, term | 580 to 620 |
FAQ
Is Total Mortgage Services legit?
Yes, Total Mortgage Services is a legitimate mortgage lender that’s licensed with the Nationwide Multistate Licensing System (NMLS). It was founded in 1997 and has 63 locations across the U.S. and Guam.
Where is Total Mortgage Services available?
Total Mortgage Services is licensed to operate in 46 states, Washington, D.C., and Guam. It’s not available in Alaska, Hawaii, Idaho or Missouri.
Is Total Mortgage a broker or lender?
Total Mortgage Services is a mortgage lender. A broker doesn’t lend money. Instead, a broker helps people find and negotiate loans.
Who owns Total Mortgage?
John Walsh owns Total Mortgage Services. He founded the company and currently serves as its chairman.
Still have questions?
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Total Mortgage Services Company Information
- Company Name:
- Total Mortgage Services
- Address:
- 185 Plains Road St., Ste. 300 E.
- City:
- Milford
- State/Province:
- CT
- Postal Code:
- 06461
- Country:
- United States
- Website:
- www.totalmortgage.com