877-266-4138 info@tlclender.com

Alamosa, CO

Gateway to the Great Sand Dunes




Whether you’re looking to buy a primary residence, a working ranch, farm, or even a second home–we can provide the home loan you need. 

The average price of homes ranges from $180,000 to $230,000. Of course, there are more expensive homes, especially the newly built ones. No matter what your budget or loan size is, we’ll find the mortgage that works the best for your situation. 

And, if you’re looking for a 2nd home in Crestone, South Fork, Creed, or Ft Garland we have the perfect mortgage for you. 


Beautiful Alamosa located in South Central Colorado sits in the heart of the San Luis Valley.   Surrounded by mountains on all sides, it’s known for its Sand Dunes, historic downtown, and friendly residents. And since it’s 4 hours from Denver, it’s considered the shopping hub of the Valley.  

Even though we’re a small community, with a population of about 48,000, we’re rich with education which includes Adams State University and Trinidad State Junior College.

Our Total Lending Concepts office is located at 609 Main Street only a few doors down from the popular Calvillo’s Mexican Restaurant.

We provide mortgages for the entire San Luis Valley, including Alamosa, Conejos, Costilla, Mineral, Saguache County and Rio Grande County. 

main street de alamosa


When you’re looking for a home loan in a small rural community like ours, it’s essential to use a local lender like Total Lending Concepts. We’re not a big corporation hiding behind an 800#. We’re your hometown lender, located right in downtown Alamosa where you can walk in, and meet us in person. 

Branch Manager, Tandi Bolt, was born and raised here and has been in mortgage lending for over 20 years. Alongside Tandi is Senior Loan Officer, MaryLou Tallon. 

This knowledgeable and friendly team have spent years building a rapport with local realtors, title companies, and appraisers. Because of that, your home loan process with be smooth and enjoyable. 


We offer a wide variety of mortgage products to fit your needs, including:

  • USDA Loans – Zero down loans for rural areas like ours. 
  • FHA Loans – low down payment and flexible credit guidelines for those with lower scores. 
  • CHAFA Loans – down payment assistance loans for Colorado residents. 
  • VA Loans – offer zero down loans and low rates for veterans. 
  • Conventional Loans – are perfect for second homes and investment properties. 
  • Jumbo Loans – provide financing for luxury properties and larger loan amounts. 

Helpful Links

County Assessor Websites:                                                 



"Total Lending Concepts has been an amazing Mortgage option. We couldn't be more happy with our experience with this company. Tandi Bolt has been very helpful and answered every question through our loan process. If you are looking for a mortgage company and want to feel confident in your loan selection; I would recommend using Total Lending Concepts."

Dustin Curtis

Alamosa, CO

"Working with Tandi Bolt and Total Lending Concepts has been a pure joy. Every part of the process from determining an interest rate, to navigating the best loan options, to the paperwork and all the associated details that inevitably crop up, has been seamless and stress free. I highly recommend Tandi and her team if you are looking for a friendly, conscientious and knowledgeable lender. Just an excellent experience all around."

Thomas Monaco

Alamosa, CO


Tandi Bolt

Branch Manager
NMLS# 253270


609 Main St.
Alamosa, CO 81101


Alamosa Location