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TotalChoice Mortgage

We’re more than just a mortgage. We’re built to exceed.

I want to buy a homeI want to refinance

We’re built to exceed

From the beginning to end, we’re laser-focused on exceeding your every expectation. Home buying or refinancing shouldn’t feel like a chore. It’s our job to make sure you’re happy throughout the entire process.

Buying or refinancing your home?

We make home financing simple. You can start your loan application on any device  (mobile or web), speak with our licensed loan officers, or meet with our loan officers face-to-face. Your choice!

How can we help?

I'm buying my first house

  • Buying your first home can be exciting and overwhelming. We’re here to make your home buying journey a little less stressful. Start with getting pre-qualified to find out how much of a house you can afford and what loan programs you’re eligible for!
See if you qualify

I want to buy a house

  • Ready to buy another house? We’re ready to take you home! Even if you’ve been through this process before, loan programs and guidelines are constantly changing. Let’s get you pre-qualified and find out which loan options work best for you.
See if you qualify

I'm looking to refinance

  • There are many benefits of refinancing your home. Whether you’re looking to reduce your mortgage payment, rate, or even get cash-out, we can give you variety of options you can choose from. Let’s start by completing a loan application!
See if you qualify

I'm thinking about retiring

  • A reverse mortgage may be a good option for you to use your home’s equity towards retirement. We encourage you to learn more about a reverse mortgage option first. Talk to our licensed loan officer to understand how a reverse mortgage works.
See if you qualify

How do I get a mortgage?

Get Pre-Qualified

The first step in buying or refinancing your home is getting pre-qualified. In this step, you’ll complete an application which is used to determine which loan options and amount you’re qualified for.

Submitting Documentation

Next, we’ll need to gather support documents to validate the information you provided in the loan application. Once you sign off on the loan estimate, we will order your appraisal to make sure the loan value meets your refinance or purchase loan amount.

Loan Processing

Our loan processor will prep and organize your loan file for the underwriter. During this phase, the loan processor will work closely with you, your loan officer, and third party vendors (such as title and escrow companies) to get all the necessary paperwork to fulfill the underwriter’s conditions.

Underwriting

Our underwriter will review the loan application, supporting documents, and analyze the risk level of your loan file. The underwriter will make the final decision on whether your loan is approved or denied based on your risk level.

Loan Closing

Congratulations, you’re cleared to close! Once the loan is approved by the underwriter, we prepare the closing documents. We will schedule a time to meet with you and the title company to sign all required paperwork.

How do we exceed?

Matthew Shields  was courteous and friendly and did everything in his power to close my loan when needed.

Nicholle B.

Columbus, Ohio

Schaun Blakeslee made sure to lay out every option that was available to us and explained the pros and cons of each.

Samantha M.

Sugar Grove, IL

Robert Livingston asked us to download his app and we did and it was amazing. It made it easy to get a hold of him and his contact info.

Diane S.

Columbus, Ohio

Ready to start exploring mortgage options?

Let us show you what going above and beyond feels like.

I'm ready!