Whether you’re in the market to Purchase or Refinance – TotalBank has the right mortgage solutions for you.
We make home loans easy from start to finish! As one of Miami’s leading lenders, TotalBank is here to help you make your home ownership dreams come true. Your home is most likely the single most valuable asset you will ever have. And the right home mortgage - from the right home mortgage lender - can make all the difference.
TotalBank is the right choice for your home mortgage, for any of your needs.
- New Home
- Vacation Home
- First Home
- Investment Property
- Refinance Your Existing Loan
With TotalBank you'll get fast approvals. Plus, TotalBank offers a wide variety of home mortgages - there's one just right for you:
- First-Time Home Buyers
- Conventional Conforming Loans
- Fannie Mae (FNMA)
- Jumbo Loan
- Fixed and Adjustable Rate Mortgages
How much can I borrow?
The conventional loan program allows for loans for the purchase or refinancing of a primary or second home. The specific amount for which you’ll qualify depends on your income. The qualifying “housing expense to income ratio” is 30% and the “total expense to income ratio” is 40%. TotalBank will calculate these ratios for you based on your income and asset information you provide and tell you how much you can afford to borrow.
To get an idea of what you can qualify for check out our helpful Mortgage Calculators.
Let's start the conversation...fill out this form for more information regarding our Home Mortgages.
If you would like to speak directly with one of our Loan Originators call us at (305) 982-3100.
*Subject to credit approval and program requirements.