Total Mortgage Services, LLC offers a variety of loan programs to suit different needs. These programs include:

1. Jumbo Loans: Designed for individuals purchasing higher-priced homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.

2. Conventional Loans: A popular choice for home buyers, these loans follow the guidelines established by Fannie Mae and Freddie Mac.

3. FHA Loans: Backed by the Federal Housing Administration, FHA loans are suitable for first-time home buyers or individuals with lower credit scores. They require a smaller down payment compared to conventional loans.

4. Refinancing: Total Mortgage Services, LLC provides refinancing options for those looking to capitalize on lower interest rates, reduce their monthly payments, or change the terms of their current mortgage.

5. Credit Repair: The company offers programs dedicated to helping borrowers improve their credit scores to qualify for better loan terms.

6. Rapid Credit Rescoring: Total Mortgage Services, LLC provides services to expedite credit score updates for borrowers who need to quickly improve their credit profile.

These loan programs cater to a range of mortgage needs, whether you're a first-time homebuyer or an experienced investor. The company's expertise extends beyond its own offerings, allowing them to guide clients towards the best loan option even if it's not available directly through their institution.