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

Not all Denver 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 Denver 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

We offer a number of traditional and non-traditional options for first-time homebuyers.
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FHA LOANS

FHA LOANS

FHA loans can help you save money with a low down payment
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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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CONVENTIONAL LOANS

CONVENTIONAL LOANS

These loans are standard loans that can be very flexible to accommodate your situation.
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REFINANCING

REFINANCING

A refinance can open up new doors you only dreamed of previously.
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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

USDA Loans are a $0 down loan option for homes in rural & suburban areas.
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VA LOANS

VA LOANS

The program is for American veterans, military members currently serving in the U.S. military, reservists and select surviving spouses

DENVER REVIEWS

 

"Carlos and his team are fantastic. They have made buying a home extremely easy, painless and as transparent as humanly possible. They were available 24/7 with any questions or needs I had. Carlos and Roxie are friendly, caring and very knowledgeable and I couldn't have asked for better people to work with. Thank you for helping get me into my first home. Highly recommend them and will certainly be using them in the future."

William Leahy

Denver, CO

"We walked into Total Lending Concept with a loan that failed for an unexplainable reason. We were crushed because we were going to lose the house we were under contract on. Crystal took on our situation. She stayed late just to finish our file. She is amazing. I would HIGHLY recommend total lending concepts, especially Crystal, if you are looking for a lender for a home purchase! This is truly a company that cares."

Sarah Stucke

Pueblo, CO

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