Loan Programs

The Right Loan for Every Situation

Total Lending Concepts offers a variety of loan programs to meet your needs! Regardless of your situation, we can help make your home buying dream a reality.

Total Lending Concepts in Colorado Springs, Colorado is ready to partner with you for all of your mortgage loan needs. As the top mortgage lender in Colorado Springs, TLC has helped many in our community find their first home or their dream home. We offer a diverse line of loan programs including USDA, VA, FHA, Refinance, Jumbo Loans, Reverse Mortgages, and more. Here at Total Lending Concepts’ Colorado Springs, Colorado branch, making your homeownership dream a reality is what drives us every day.

Not all Colorado Springs mortgage lenders are the same. Total Lending Concepts goes the extra mile to ensure your home-buying experience is a positive one. It’s why our local community reviews are overwhelmingly positive! 

Looking to buy your first home? Our Total Lending Concepts First-Time Homebuyer program is what you’re looking for.

Are you a veteran looking to get into your dream home? The Total Lending Concepts VA loan option might be your answer.

Ready to leverage existing assets for maximum value? The Total Lending Concepts Reverse Mortgage option might just be right for you.

The moral of the story is simple. If you’re in Colorado Springs or the surrounding areas and you’re looking for honesty and integrity in the home buying process, partnering with Total Lending Concepts for your mortgage needs should be your next step.

Click on any of our loan programs below to learn more and take your next steps.

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FIRST-TIME HOMEBUYER

FIRST-TIME HOMEBUYER

Low-down-payment programs to get you into your first house.

** Down payment: from 3%
** Credit Score: from 620
** Loan Limit: $474,350
** Occupancy: primary residence

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FHA LOANS

FHA LOANS

Great rates, low down payment, lenient credit guidelines.

**Down payment: from 3.5%
**Credit Score: from 580
**Loan Limit: based on location
**Occupancy: primary residence only

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JUMBO LOANS

JUMBO LOANS

Larger loans for luxury homes, and bigger properties.

**Down payment 20%
**Credit Score from 680
**Loan Limit: over $474,350
**Occupancy: primary residence, secondary homes, rentals, investment

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VA LOANS

VA LOANS

Home loan for veterans with 0% down and great rates.

**Down payment: from 0%
**Credit Score: from 620
**Loan Limit: varies by state
**Occupancy: primary residence only

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CONVENTIONAL LOANS

CONVENTIONAL LOANS

Standard loans with lots of flexibility to fit your needs.

**Down payment from 3%
**Credit Score from 620
**Loan Limit: $474,350
**Occupancy: primary residence, secondary homes, rentals, investment

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REFINANCING

REFINANCING

Choose Conventional, FHA, VA. Rate & Term or Cash out.

**Loan to Value: up to 100%
**Credit Score: from 580
**Loan Limit: Based on equity
**Occupancy: primary residence, secondary homes, rentals, investment

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REVERSE MORTGAGE

REVERSE MORTGAGE

The answer for retirees who have equity, but need cash.

**Age: At least 62 years old
**Credit: must show creditworthiness
**Loan Limit: Based on equity
**Occupancy: primary residence only

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USDA LOANS

USDA LOANS

For low to moderate-income borrowers & rural properties.

**Down payment: from 0%
**Credit Score: from 620
**Loan Limit: based on location
**Occupancy: primary residence only

COLORADO SPRING REVIEWS

"If you aren't working with KIM at TLC then you are doing something wrong. She is the best there is and I have purchased a lot of houses. Other lenders told me no, and she got it done. No BS, no delays, just hard work and honesty. Much appreciated"

Evan Driscoll

"Brian Neuwirth did a great job as my LO and the entire operations team did a fantastic job of getting my loan pushed through and closing on time! 5 stars-worthy and I couldn't recommend them any more for your home loan. Thanks for all of your help!"

Nikolas Wood

"From the moment we contacted TLC, I felt at ease as they are truly honest, experienced, and dedicated professionals. This company provides EXCELLENT customer service! The entire team is extremely patient, knowledgeable, and attentive. Brian, Dawn, and Shelly are rock stars and went above and beyond to assist me. Every single email and inquiry made by me or my realtor or the title company was responded to promptly and proficiently. TLC made the process so easy and stress-free as I was well informed every step of the way. I highly recommend Total Lending Concepts."

Barbara Bailey

Colorado Springs, CO

"Bobby went above and beyond for my husband and I who were moving here from Fort Bragg. It was our first time ever buying a house since we are fairly young. Bobby walked us through the whole process of starting a VA loan and got us the best possible interest rates when compared to other companies! 10/10, these are amazing people to work with!!"

Viktoria Mehl

Colorado Springs, CO

"Jaysen Sanchez, Stephanie and TLC have been so great....have answered all questions and concerns so quickly ....the loan was put together in less then 3 weeks start to finish...Jaysen is extraordinary...a true asset for this fantastic company ....we will recommend to our friends and neighbors!!"

Jeanne Strike

Colorado Springs, CO

"Although we were first time home buyers, Bobby White was patient and explained in detail every part of the home buying process. Great service, and very responsive, no matter the time or day. Bobby was able to even help us secure our home by working with the buying and selling agents. Very happy with the service provided, and would easily recommend to any Colorado Springs new comers, especially military."

Joshua Sandra

Colorado Springs, CO

"Bobby White helped me refinance my home. He was professional throughout the process. He helped make sure all proccesses were as smooth as possible. You're in safe hands with TLC.."

Eileen Davenport

Colorado Springs, CO

"Everyone is extremely professional and always willing to help even though the weekend and after hours. We didn't plan on buying a house and wasn't 100% ready but Bobby helped us though everything and made it home buying easy. I would recommend to anyone who is looking to make this stressful time of home purchasing more pleasurable."

Greg Goss

Colorado Springs, CO

"Jason Rivera is the man! Made my refinance easy, got a great rate with no sweat. He made the process super easy, if you need any help with mortgage Jason is the one to go to!"

Dan Guillory

Colorado Springs, CO

"I had a great experience with Bobby White from Total Lending Concepts. I felt that I was made a priority and was cared for throughout the entire process. From understand the differences in loans and figuring out which one was best for me, to collecting all necessary data for my loan, I always felt supported."

Erin Gansz

Colorado Springs, CO

"Bobby White was our rep. Bobby was very attentive and took the time to help us through the process. Painless and smooth process. Will use these guys again and definitely recommend to others.."

Matt Kritch

Colorado Springs, CO

"Everyday, I get letters from mortgage companies offering to finance a new loan or refinance an existing loan. I recycle them immediately so they'll be useful and come back as a different paper product. I already have a go-to Mortgage Lender I've trusted for financing a new loan AND the quickest refinance known to humankind. Total Lending Concepts Colorado Springs. If you crave competence, respect, no-nonsense treatment, I say go with Total Lending Concepts Colorado Springs. Two thumbs up. Way up. With a twist."

Lloyd Lyles

Colorado Springs, CO

"I worked with Brian and Carissa on my mortgage loan. They were very humble people and care about there clients. Any means necessary to make the process go smoothly. They are up front to you about situations that are going on and keep you informed 24/7 with status of your loan. I would recommend them to anyone looking for a mortgage loan."

David Langfells

Colorado Springs, CO

"II am a first time home buyer but Bobby White made it easy to understand and made sure i knew what to expect throughout the process . He stayed in communication with me every step of the way and always assured me he was there to help if I had any questions."

Bri Marie

Colorado Springs, CO

"First time buying a home on my own. Brian and his team explained everything really clearly and answered all of my questions efficiently. They got me a great rate and understood my down payment needs without being blaming or making me feel weird about what I could and could not afford. Super easy and simple process, I will recommend these guys to everyone."

Haily Kolberg

Colorado Springs, CO