Columbia, MO
The Show-Me State
THE COLUMBIA, MO CREW
Ross Kulik
VP of Central Region
NMLS# 559107
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Damon Volkart
Senior Loan Officer
NMLS# 940821
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David Kling
Senior Loan Officer
NMLS# 1223549
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Jacob Robertson
Senior Loan Officer
NMLS# 337487
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Kyle Turner
VP of National Development
NMLS# 273364
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Tessa Jackson
Senior Loan Officer
NMLS# 1014699
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Ben Patton
Senior Loan Officer
NMLS# 2266234
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Duanna Frerking
Senior Loan Officer
NMLS# 2402130
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Julia Ash
AVP of Central Region
NMLS# 1313061 I MO-10982-MLO
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Mary Magers
Senior Loan Officer
NMLS# 707581
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Mitch Richards
Senior Loan Officer
NMLS & MLO# 1810499
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Marcus Jones
Branch Manager I South Location
NMLS# 1312398
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Tim Bauer
Senior Loan Officer
NMLS# 4742
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Cynthia Minchew
Senior Loan Officer
NMLS# 275545
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ABOUT COLUMBIA
Beautiful Columbia, MO, is one of the best-known cities in all of Missouri. It sits between Kansas City and St Louis and is a significant hub along interstate highway 70. With a population of 123,180, it’s not too big and not too small.
Whether you’re just visiting, planning to move here, or are a long-time resident, you’ll be amazed at what Columbia has to offer. From beautifully manicured public parks to a quaint yet vibrant downtown district as well as an abundance of local events, there’s something for all ages.
Columbia is home to the highly-ranked University of Missouri (aka Mizzou), which offers both higher education and plenty of excellent job opportunities. Along with local college events, families enjoy the beautiful trail system that runs through the city.
Our Total Lending Concepts office is located downtown at 219 E Broadway. It’s easy to find, and there’s plenty of street parking.
We provide mortgages for all of the Columbia metro area, the surrounding areas, and the entirety of the state.
LOCAL REAL ESTATE
Whether you’re purchasing your first home, a second home, your luxury dream home, or even an investment property or rental, the team at Total Lending Concepts, Columbia has the right mortgage for you.
The median home price is just under $200,000 making Columbia very affordable. Our real estate market is stable and is predicted to continue growing.
BORROWER TIPS
No matter where in MO you’re looking to buy, the team at Total Lending Concepts has the experience in local real estate and home loans you need.
We’re here for you either in person or over the phone. As a local lender, you’ll be happy to know you can come to our office anytime. Whether you’re purchasing or refinancing, we’re happy to answer all of your questions and find the right mortgage loan for you.
Ross Kulik is the Vice President of the Missouri market. Although he grew up in St. Louis, he calls Columbia, MO, his home. With over 20 years of mortgage experience, Ross and his friendly team are here to help you.
The TLC team has an excellent relationship with local realtors and title companies and are known for their excellent service, smooth and stress-free process, and loans that close on time.
HOME LOANS
Our office offers every mortgage you could need from purchases to refinances. Whether you’re a first-time home buyer or a savvy investor, we can provide what you need, including:
- FHA Loans – often referred to as first-time homebuyer loans. They offer 3.5% payment and more lenient credit guidelines.
- VA Loans – offer zero down loans and low rates for veterans.
- Conventional Loans – offer excellent rates, and if you put 20% down, you won’t have private mortgage insurance.
- Jumbo Loans – If you need a larger loan that exceeds conventional guidelines, we have the perfect jumbo loan for you.
- USDA Loans – zero down loans for rural areas.
- Construction Loans – want to build your dream home? We can fund it.
- Manufactured Homes – We offer loans for manufactured and modular homes.
HELPFUL LINKS
County Assessor Websites:
COLUMBIA, MO REVIEWS
TLC COLUMBIA
219 E Broadway
Columbia, MO 65203
Phone:
573-303-3844
Fax:
573-303-3917
Email:
missouri@tlclender.com