Total Mortgage Services, LLC offers the following Loan Programs:

1. FHA Loans: These loans are insured by the Federal Housing Administration and are suitable for borrowers with lower credit scores or limited funds for a down payment.

2. VA Loans: Exclusive to veterans, active-duty military personnel, and surviving spouses, VA loans provide favorable terms, including no down payment and competitive interest rates.

3. Conventional Loans: Standard mortgage loans not insured or guaranteed by the government. They typically require a higher credit score and a larger down payment.

4. Adjustable Rate Mortgages (ARMs): These loans have an interest rate that adjusts periodically, often after an initial fixed-rate period. ARMs may be suitable for borrowers planning to refinance or sell their home before the adjustable period begins.

5. Jumbo Loans: Jumbo mortgages exceed the loan limits set by government-sponsored enterprises. They are used for high-value properties and require a higher credit score and larger down payment.

6. Refinance Loans: Total Mortgage Services, LLC helps homeowners refinance their existing mortgage loans to secure potentially better interest rates, lower monthly payments, or consolidate debt.

Note: This information is based solely on the provided content and may not include all loan programs offered by Total Mortgage Services, LLC. For detailed information and eligibility requirements, please visit their official website or contact them directly.