Mortgage Rates and the Coronavirus

by Total Lending Concepts | Mar 25, 2020 | Blog, Columbia, Columbia Missouri Mortgages, MO, MO Mortgages, Mortgages Columbia, Mortgages in Columbia, Uncategorized

Let’s face it — the last couple of months have been tough on all of us. Heading into the spring with a blazing economy and a historically favorable housing market for homebuyers, we all seemed to be on cruise control. Then came COVID-19. Now a sense of uncertainty...

10 Essential Mortgage Terms to Know When Applying for a Home Loan

by Total Lending Concepts | Dec 12, 2019 | Blog

When you’re getting ready to apply for a home loan, especially if you’re a first-time homebuyer, it’s important to understand some of the terminology. Otherwise, the entire process can become confusing very quickly. Keep reading to learn the most common terms. 1....

6 Vital Questions to Ask When Buying a Home

by Total Lending Concepts | Dec 12, 2019 | Blog

When you’re getting ready to buy a home, or even if you’re just starting to think about it, there’s a lot to consider. We’ve come up with a list of the top questions you should make sure you ask yourself and your family. Besides where you want to live and how much you...

Analyzing New Smart Home Options

by Total Lending Concepts | Nov 26, 2019 | Blog

It’s no secret that we’re living in an era where innovation and technology rein high. In 2019, smart homes actually got smarter, and connected devices began learning to communicate with each other. Just a few years ago, home automation was a topic vaguely explored....

The Mortgage Nitty-Gritty

by Total Lending Concepts | Oct 27, 2019 | Blog, Columbia, Columbia Missouri Mortgages, Mortgages Columbia, Mortgages in Columbia, Uncategorized

If you look up “nitty-gritty” in the dictionary (yes, surprisingly it is actually in there), you’ll find the following definition: : what is essential and basic : specific practical details : With that foundation laid, the “nitty-gritty” of the mortgage process is...

Mortgage Programs Explained

by Total Lending Concepts | Oct 27, 2019 | Blog, Columbia, Columbia Missouri Mortgages, Mortgages Columbia, Mortgages in Columbia, Uncategorized

Your situation is unique. Maybe you are buying your first home, your second home, or your dream home. Your credit score might be 780. Or maybe 715. Or maybe 680. Your annual income might be $300k+. Maybe it’s $180k. Maybe is a little less than that. You get the idea —...