877-266-4138 info@tlclender.com

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 Columbia, Missouri is ready to partner with you for all of your mortgage loan needs. As a top mortgage lender in Columbia, 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’ Columbia, Missouri branch, making your homeownership dream a reality is what drives us every day.

Not all Columbia 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 Columbia 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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MANUFACTURED HOME LOANS

MANUFACTURED HOME LOANS

TLC wants to help put you in that beautiful manufactured home.
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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

COLUMBIA, MO REVIEWS

 

"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

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