Whether you’re in the market to Purchase or Refinance – TotalBank has the right mortgage solutions for you.
- New Home
- Vacation Home
- First Home
- Investment Property
- Refinance Your Existing Loan
- 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
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.