877-266-4138 info@tlclender.com

Columbia, MO

The Show-Me State

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 25 N 9th Street. 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

 

"Mitch went above and beyond to work with us. Our new home is amazing!"

Maggie Dixon

Columbia, MO

"We worked with Damon here in Columbia. He was great to work with and very prompt with his responses. We highly recommend TLC home loans."

Gregory Kaplinger

Columbia, MO

"Matt Costanza and David Kling were wonderful to work with buying our first home. They always made themselves available to answer questions and walk us through the process step by step.

Cyrus Meller

Columbia, MO

FIRST STEPS →

GET PRE-KOALIFIED

CHOOSE YOUR LOAN

THE COLUMBIA, MO CREW

Ross Kulik

VP of Missouri Market
NMLS# 559107
APPLY WITH ROSS NOW

Mitch Richards

Senior Loan Officer
NMLS# 1810499
APPLY WITH MITCH NOW

David Kling

Senior Loan Officer
NMLS# 1223549
APPLY WITH DAVID NOW

Marcus Jones

Senior Loan Officer
NMLS# 1312398
APPLY WITH MARCUS NOW

Damon Volkart

Senior Loan Officer
NMLS# 940821
APPLY WITH DAMON NOW

Tim Rich

Senior Loan Officer
NMLS# 1891826
APPLY WITH TIM NOW

Matt Costanza

Senior Loan Officer
NMLS# 1630644
APPLY WITH MATT NOW

Mary Magers

Senior Loan Officer
NMLS# 707581
APPLY WITH MARY NOW

TLC COLUMBIA

25 N 9th St.
Columbia, MO 65201

Phone:
573-303-3844

Fax:
573-303-3917

HOME     I     LOCATIONS     I     PROGRAMS     I     CONTACT