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. 
Start your application online
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
TotalBank offers a wide variety of home mortgages - there's one just right for you:
  • Affordable Housing Program for First-Time Home Buyers** (click here to learn more)
  • 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 debts to income ratio” is 40%. TotalBank will calculate these ratios for you based on the income 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. 

Your Dream Home is a just a click away … Start your application today!
With TotalBank you can get closer to your dream home. With our Online Application we can help you find the mortgage that is right for you. 

And if you already have a rate in mind, set up our rate alerts to be the first to know when it is available! 

Let’s start the conversation … Complete our Online Mortgage Application and save time. One of our Mortgage Specialists will contact you soon.

Or 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.
**The Affordable Housing Program for first time homebuyers is not available through our online application channel. Click here for more information on how to get started
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