Rates Are Low. Can They Go Lower?

by Total Lending Concepts | Nov 10, 2020 | Blog

It’s no secret — COVID-19 has disrupted every aspect of our lives. And the mortgage industry is not immune from this global pandemic. But what will the long-term impact be? It’s a question that many are asking, but not many have a good answer to (yet). Mortgage rates...

Buying A Home Is A Production: Who Are The Characters?

by Total Lending Concepts | Oct 28, 2020 | Blog

Sometimes buying a home feels like a three-act play — complete with drama, suspense, protagonists…and maybe even an antagonist or two along the way. But more times than not, these productions usually weave through the drama to a happy ending. That can be the...

Is Now the Right Time to Refinance

by Total Lending Concepts | Oct 12, 2020 | Blog

The simple truth is this — COVID-19 has turned everyone’s lives upside down. Schools, businesses, non-profits all reeling as they find ways to adapt to this temporary normal. And the housing market is no exception. But within that uncertainty exists some opportunity....

What You Need to Know About Closing Costs

by Total Lending Concepts | Sep 28, 2020 | Blog

You are on the two yard line. The end zone is in sight. What’s standing between you and the touchdown? That line of massive 300 lb. dudes! That’s how many people feel about closing costs when it comes to their mortgage. They are so close to seeing their dream of...

Your Credit Score — the Dos and Donts

by Total Lending Concepts | Aug 24, 2020 | Blog

For some people, managing their credit score is similar to playing Whack-A-Mole. You address one issue and another one pops up. It can be a terribly frustrating cycle that never seems to have an end. — In my job as a loan officer with Total Lending Concepts, I have...

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...