Stephanie Flattem

Senior Loan Officer

Office: 417-590-8052

Cell: ‭417-838-3486

Email Stephanie

NMLS# 2043747



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”.

“TLC has been wonderful to work with! They were available to answer questions throughout the entire process and helped us through every hurdle we encountered along the way. Thankful to be closing on our home. I would highly recommend working with them for your mortgage loan needs!”

Joan Anders

Jefferson City, MO


Missouri – 2043747

4101 N State HWY NN, Suite 103
Ozark, MO 65721​

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