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Home Loan Mortgage Refinance Arrows Up

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Loan Calculator

Want to learn just how much home you can afford? Click on our loan calculator to learn based on your needs and wants.

Loan Programs

TLC offers a variety of loan programs to fit any situation. You give us your variables and we'll find your "right-fit" loan.

Give Us a Shout

Still have questions that need answers? Our team is standing by ready to move you forward.


The Total Lending Concepts Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in Missouri, Tennessee, Arkansas, Florida, Texas, Kansas, Colorado, Oklahoma and Louisiana. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage bankers can help make your dreams come true.

Total Lending Concepts brings 50+ years experience lending within Missouri, Tennessee, Arkansas, Florida, Texas, Kansas, Colorado, Oklahoma and Louisiana. As a locally owned company, we know the current market conditions and can navigate the market to find you the best product at the lowest price. Additionally as a government approved lender, Total Lending Concepts can offer competitive products such as FHA (Federal Housing Administration), VA (Veterans Administration) and USDA loans.

At Total Lending Concepts, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. So regardless if you are looking to purchase your dream home, refinance your current home, or consolidate debt, you owe it to yourself to see why so many have chosen Total Lending Concepts. So give us a call when you need a little “TLC”.



"We had a great experience with David Kling. He is very responsive and helpful. We remotely work with him without any problem. He explains things clearly and patiently. He understands what he is doing and push hard for us to get the loan before the closing date. Easy to talk with. Everything is good."

Tim Huan

Columbia, MO

"A huge Thank You to Damon at TLC for making out process easy, painless, and quick. He was able to handle everything in a professional manner and get it done without any headaches."

Ashlee Pettigrew

Columbia, MO

"If we could give Damon Volkart at Total Lending Concepts 10 stars, we would!!! We loved working with him! He answered all our questions, he was available at any time to help us through the loan process, and he worked extremely hard to gain our trust and loyalty. After working with Damon, and comparing TLC to other lenders, we're confident that we received the best value, the best customer experience, and the best rate we could. He earned a lifelong client with my family and me!

Megan Fewell

Columbia, MO

"OMG!! Working with total lending concepts was the most pleasant experience ever. We have tried to get a loan before and it was a nightmare! It even made us not want to get a home loan at one point but not with Cynthia Minchew and Total Lending Concepts. It was awesome I very highly recommend using TLC and Cynthia!!"

Matthew Cozad

Columbia, MO

"Mitch from TLC Columbia was friendly from day one. The process of buying a house is intimidating, but he was able to guide the way and was knowledgeable about inquiries I had. If you have a question, these are the people with answers."

Ryan Seckel

Columbia, MO

"This was the easiest home purchase I have been involved in. Damon was always on top of things and amazing! I recommend him to everyone!"

Blake Crutchfield

Columbia, MO

"Mitch with Total Lending Concepts was very helpful, informative and knowledgeable throughout the loan application process and made everything a very smooth process!
I would highly recommend for anyone looking for a good lender to purchase a home."

Brandon Woods

Columbia, MO

"Mitch went above and beyond to work with us. Our new home is amazing!"

Maggie Dixon

Columbia, MO

"We worked with Damon here in Columbia. He was great to work with and very prompt with his responses. We highly recommend TLC home loans."

Gregory Kaplinger

Columbia, MO

"Matt Costanza and David Kling were wonderful to work with buying our first home. They always made themselves available to answer questions and walk us through the process step by step.

Cyrus Meller

Columbia, MO

"I worked with Cynthia and she has been very helpful. As a first time home buyer, she was able to answer all my questions and also help suggest ways to lower my costs! Great experience! Definitely recommend their services"

Melissa Rodriguez

Columbia, MO

“Great Team! Mitch was very nice to work with he made sure everything was streamline and had very good advice. Very experienced, I could call him any time and ask him a question. That guy works hard for you.”

Shelby See

Columbia, MO


219 E Broadway
Columbia, MO 65203



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