Debbie Frazier

Branch Manager/Sr. Loan Originator

Office: 352-463-1956

Cell: 352-535-7661

NMLS# 338287


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”.

“Mrs. Debbie Frazier is amazing! She’s extremely thorough and professional . She really went above and beyond. No matter what time of day it was, early in the morning, late at night, and even on weekends. Mrs. Debbie was there! Answering any and all questions we had. Helping us gather every piece of paperwork we needed. Always keeping in touch to make sure our house buying experience went smoothly. Her bubbly personality and knowledge makes it so easy to communicate with her. You really feel a sense of confidence in knowing that everything is in good hands. We are truly blessed to have had the opportunity for Mrs. Debbie to be our loan originator!”

Russell Downing

Bell, FL

“I was so happy to work with some amazing people. They helped me in every way & they were very knowledgeable about everything I need to know.”

Tami Reardon

Bell, FL

“In a day and age where everyone wants to complain about everything and seems like no one is happy about anything, I just want to take this opportunity to THANK YOU for the amazing job you do and let you know how much I appreciate you and understand the extra effort you put into every transaction. I have had many customers thank me for referring them to you.”

Debbie Drummond

Bell, FL

” Both De and I would like to thank you for all that you did to make our home buying experience a positive one. Your knowledge, experience and helpful, cheerful attitude has made it easy to recommend you to anyone for the home buying process.”

Don VanDerveer

Bell, FL

“Total Lending concepts with Debbie Frazier has been one of the best experiences that I have ever had financing a home. She  was extremely professional, and went the extra mile to make sure that I understood the whole lending process. I would highly recommend her and her company as she exceeded my expectations. Her knowledge and professionalism really made this process quick and easy. I am very happy and satisfied with the lending experience I had. I will highly recommend Debbie,  to all my friends and family for future lending financing.. Thank you Debbie for a wonderful experience”

Alex Martinez

Bell, FL

“Debbie and her team made the mortgage process smooth and easy. She worked hard to help me understand what my finance options were and what type of loan would be best for me and my family. Throughout the process she was thoughtful and considerate, making sure she asked for only what she needed and using electronic documents to save time. She was always available and answered all my questions, making it an incredibly comfortable and satisfying experience. Most importantly, we closed right on time, so with all the things to keep track of when buying a new home, this was the easiest! I’d highly recommend Debbie’s experience and professionalism to anyone looking to buy their next home!!”

Angelo Musco

Bell, FL


1310 N. Main Street
Bell, FL 32619

Direct Phone:


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