Total Mortgage has officially launched its Lease to Keys program nationwide, offering qualifying first-time home buyers up to $2,500 in closing cost assistance. The company is helping renters nationwide overcome one of the hardest parts of buying a home: upfront costs. Eligible buyers can first secure a mortgage pre-approval and then present records of their current rent obligation. Once qualified, these applicants may receive a credit equal to one month’s rent, up to $2,500, applied directly to closing costs, cutting the cash required at the closing table. This support tackles one of the biggest financial hurdles, while Total Mortgage’s affordable homeownership options and competitive mortgage rates create a straightforward path from renting to owning. Available through a nationwide network of licensed loan officers, the program pairs local market knowledge with the resources of a nationally recognized lender. Customers can also access guidance on mortgage APR (annual percentage rate), which represents the total yearly cost of a mortgage, including the interest rate and additional fees such as loan origination charges, discount points, and certain closing costs. To further empower first-time buyers, Total Mortgage offers free interactive mortgage calculators on its website. These tools help prospective homeowners map out finances before applying for Lease to Keys, clarifying affordability and expected monthly costs to make homeownership transparent and manageable. The calculators let users compare loan scenarios side by side, factoring in down payments, interest rates, and terms to choose the best fit for their long-term goals.