Jefferson City, MO

The Capital City


JC Small scaled


Jefferson City is a growing, beautiful small city located in the heart of Missouri. As Missouri’s capital, Jefferson City boasts tremendous tourist opportunities, great dining options, and more entertainment options than a town its size would normally be able to offer.

The housing market in Jefferson City has been strong and steady for several years. The combination of new developments and historic homes gives any potential buyer the chance to find something they love.

We are ready to help you find your capital city dream home today! 


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.  


County Assessor Websites:                                                 



“Jamie at Total Lending was fantastic! She was incredibly helpful getting me pre-approved and as closing day got closer, she worked hard to make sure everything ran smoothly. She always made time for my many questions and was even available to me outside of normal business hours.”

Nathanael Moe

Jefferson City, MO

“Jamie and Total Lending Concepts made my home buying experience so easy. I gave her my information and she did all the hard work to get the mortgage set up.”

Erica Williams

Jefferson City, MO

“Jamie made it so easy to buy my house. I told her what I was doing and she did all the hard work for me.”

Andrew Meller

Jefferson City, MO

“We just refinanced with Damon he was super helpful and made the whole process a breeze. He was always available to answer our questions we will definitely be recommending him to our friends.”

Sara L.

Jefferson City, MO

“We worked with Damon and had the best experience. It was our first time buying a house and he provided us help every step of the way. We had to have a shorter closing than normal and Damon was available day or night to help with this crazy time. He made a stressful situation less stressful. I would recommend Damon to any of my friends looking to make a purchase.”

Alex Cypert

Jefferson City, MO

“Worked with Damon. Was there thru the whole process. I’ve bought many homes. This was the easiest lending process so far. True professional!”

M Kuhl

Jefferson City, MO

“It was a pleasure working with Damon during my home purchase. He was very helpful, friendly, professional and easy to contact. His response to all my questions was quick and helpful. I recommend Damon Volkart at Total Lending Concepts to anyone looking to apply for a mortgage!”

Luann Regagnon

Jefferson City, MO

“I just wanted to say I really enjoyed working with Damon when purchasing my new home. He was a joy and answered all the questions I had going thur the total lending process. Thanks again Damon for all your help Sandra Rushing.”

Sandra Rushing

Jefferson City, MO


Damon Volkart

Branch Manager
NMLS# 940821

Becca Varner

Senior Loan Officer
NMLS# 715704


627 McCarty Street Suite 310
Jefferson City, MO 65101


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