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

Not all Dallas 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 Dallas 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

DALLAS REVIEWS

 

"I had the opportunity to work with Rory Dunham with Total Lending Concepts and the experience was fantastic. Mr. Dunham worked with us throughout the whole process and was available anytime we had a question. Rory showed his dedication and came through with some unexpected approvals which eased our anxieties. Thank you Rory and the Total Lending Team."

Charles Herrera

Dallas, TX

"As a Realtor, I recommend Matt McDaniel and Total Lending Concepts to my clients. So, of course, when it was time to make my home purchase, I'm using Matt, too! He and Whitney are fast, professional and thorough in the minutia that make up the loan process. Not only is he and his team a pleasure to work with, but they can facilitate those difficult loans most others won't touch. Thanks Matt!"

Darla Dosier

Dallas, TX

"Was a great help, very professional staff, and being retired Army, i felt very at home and walked through the whole process of buying my home. I was very surprised the amount of help they gave after another "Veteran" company said they could not help me, but they could. Recommend them anytime ! Shout out to Jeff !"

Slasher Beast

Addison, TX

"I would like to personally thank Jeff Dynak for all his patience in helping go through with this loan . His professionalism was outstanding ,he was able to make this stressful situation into a more stress free situation. Marta And I wish to thank him and Whitney for all their kindness in achieving this home loan for us. With my wife having Cancer his patience with us made her feel so secure . Thank you so very much."

Greg Nelson

Addison, TX

"From being to end, professional customer service and knowledgeable experts. Lending to was available to quell and inquiries and provide on the spot resolutions. V/r J Taylor"

Joshua Taylor

Addison, TX

"Matt and his staff were awesome! The process for buying a home was smooth and easy. Will recommend to others."

Christopher Portillo

Dallas, TX

"I had a great experience! Matt, Amy and Whitney were all extremely helpful. Matt answered my 5k questions, even after hours and he was always patient with me. He provided great recommendations for insurance even though we decided to stick with our current provider. I'm so glad my realtor, Adrienne Gill recommended him and his company ?"

Diane Davis

Dallas, TX

"Outstanding customer service and overall experience. Matt McDaniel and Whitney Elliott did a terrific job. If you're shopping for a mortgage, give them a call right now. You'll be glad you did!"

Eric Bartel

Dallas, TX

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