We Dare You To Compare

$2,000 Best Price Guarantee

Close with any lender for a lower combination of interest rate, fees and monthly mortgage insurance — and you get a $2,000 check.

Offered through Loan Factory, Inc. (NMLS #320841). Conventional Conforming fixed, FHA and VA only · $200,000 minimum · all states except Washington · offer expires 31 December 2026 · other restrictions apply. See full terms here →

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Your Local Arizona Lender · Licensed Mortgage Broker · NMLS #1906123

Home financing built on total trust.

From start to finish, you work directly with a licensed local expert — not a call center. We shop 200+ lenders to find the loan that actually fits your life.

Start My Application Call (520) 255-2318
  • Down-payment assistance programs
  • Self-employed & investor friendly
  • Local. Licensed. Accountable.

Payment Calculator

What will your payment actually be?

Pick your program and we apply the right government fees automatically — FHA mortgage insurance, the VA funding fee, the USDA annual fee. Add your own taxes and insurance, then see side by side what paying a little extra would save you.

1Which loan program?
2The loan
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$
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Not sure? Use a number you've been quoted — or ask Gerhard for a real one.

Choose exempt if you receive VA compensation for a service-connected disability, are eligible for it but take retirement or active-duty pay instead, receive DIC as a surviving spouse, or are on active duty with a Purple Heart. Exempt means the funding fee is $0.

%

Most buyers finance it rather than paying it in cash at closing.

3Your taxes and insurance

These vary house by house, so put in your own numbers.

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$

$
4What if you paid a little more?

Every extra dollar goes straight at the principal — and the interest it would have earned for the next thirty years disappears with it. Tap a number to try it.

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$
$

Tax refund, bonus, commission check — anything annual.

Total Trust Home Loans last 5 loans were .5% BELOW the national average

Based on Total Trust Home Loans' last five funded loans compared against the Freddie Mac Primary Mortgage Market Survey (PMMS) average 30-year fixed rate for the corresponding weeks. Past results are not a promise of the rate available to you — your rate depends on your credit, the loan program, the property and market conditions when you lock.

Where these numbers come from
  • FHA upfront MIP (1.75%) and the annual MIP rates come from HUD Mortgagee Letter 2023-05. Your MIP rate and how long you pay it both change with your down payment — put 10% down and it drops to 50 bps and ends after 11 years instead of running the life of the loan.
  • VA funding fee rates come from the U.S. Department of Veterans Affairs, effective 7 April 2023, and vary by down payment and whether it's your first use. Exempt is $0.
  • USDA fee mechanics come from 7 CFR 3555.107(g)–(h). The current 1.00% upfront / 0.35% annual rates are set administratively by USDA Rural Development.
  • Private mortgage insurance is priced by private insurers off your credit score and loan-to-value — there is no published government rate. The PMI figure here is an estimate, not a quote, and you can type your own.
  • Property taxes, homeowners insurance and HOA dues are the figures you entered.

Program rules verified 9 August 2026.

This calculator produces estimates for illustration only. It is not a loan offer, a commitment to lend, a pre-approval, or a Loan Estimate. Your actual payment will be set by your lender's underwriting, your escrow account and your final locked rate. All loans subject to credit approval.

NMLS#1906123
AZ DFILicensed Loan Originator
200+Lenders shopped for your rate
LocalYour hometown Arizona lender

Straight Answers

“Pay off your house in 6 years” — does that math hold up?

You have probably seen the videos about replacing your mortgage with a first-position HELOC. We ran the arithmetic day by day and wrote up every step — plain English first, then the full formulas, plus a calculator you can put your own numbers into.

Free breakdown

Plain English, then the full math — plus a calculator for your own numbers.

See the Full Breakdown

No pitch. Just the numbers — including the cases where we tell you to stay exactly where you are.

Loan Programs

The right loan for the way you live and earn.

First-Time Buyers & Down-Payment Assistance

Arizona DPA programs can cover part — sometimes all — of your down payment. If saving the down payment is the wall between you and a home, start here.

Check my options →

Conventional

Competitive rates and flexible terms for buyers with established credit. Fixed or adjustable, 10 to 30 years — shopped across 200+ lenders.

Get my rate →

FHA

Lower down payments and friendlier credit requirements, backed by the Federal Housing Administration. A workhorse for first-time buyers.

See if I qualify →

VA

Zero down for those who served. If you're a veteran or active-duty service member, this benefit is yours — we make sure you get every bit of it.

Use my VA benefit →

USDA

Zero-down financing for homes in eligible rural and suburban areas — and more of Arizona qualifies than you'd think.

Check my area →

Jumbo

Financing above conforming limits for higher-value homes, with structures tailored to complex financial pictures.

Talk jumbo →

DSCR & Investor Loans

Qualify on the property's rental income — not your tax returns. Built for real-estate investors scaling a portfolio.

Run my numbers →

Bank Statement & Non-QM

Self-employed? Write-offs working against you? Qualify with bank statements and real-world income instead of W-2s.

Explore non-QM →

Refinance & HELOC

Lower your payment, shorten your term, or put your equity to work. We'll tell you honestly whether a refi makes sense.

Review my loan →

How It Works

From start to finish — here's the whole journey.

  1. 1

    Talk to Gerhard

    A real conversation about your income, goals, and timeline. Ten minutes, no jargon, no pressure.

  2. 2

    Get pre-qualified

    A pre-qualification letter that makes your offer credible — often same-day.

  3. 3

    We shop 200+ lenders

    Your file goes head-to-head across hundreds of lenders competing for your loan. You get the winner.

  4. 4

    Close with confidence

    We drive underwriting to the finish line and keep you informed at every milestone — until the keys are in your hand.

Start Step One Today
Gerhard De Beer, mortgage loan originator
Gerhard De Beer Founder · NMLS #1906123

About

A lineman's work ethic. A neighbor's honesty.

Gerhard De Beer came to Arizona from South Africa in 2013 on a University of Arizona track-and-field scholarship — then walked onto the Wildcats football team as an offensive lineman and competed in both sports while earning his degree.

Offensive linemen don't chase the spotlight. They protect the people counting on them — every single play. That's exactly how Gerhard runs Total Trust Home Loans: he blocks for your deal from application to closing, and the only stat that matters is you getting the keys.

Today Gerhard is a licensed Arizona loan originator and mortgage broker. Because Total Trust is a brokerage — not a bank — he isn't limited to one shelf of products. Your loan is shopped across 200+ lenders, and his job is simple: total honesty about what you can afford, and the best deal on the market for it.

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Contact

Let's talk about your next home.

Call, text, or email — or jump straight into the secure application. Either way, you'll hear back from Gerhard himself.

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Send a message

Goes straight to Gerhard. He'll come back to you personally — usually the same day.