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Loan Calculator

Want to learn just how much home you can afford? Click on our loan calculator to learn based on your needs and wants.

Loan Programs

TLC offers a variety of loan programs to fit any situation. You give us your variables and we'll find your "right-fit" loan.

Give Us a Shout

Still have questions that need answers? Our team is standing by ready to move you forward.


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”.



"If you aren't working with Shannon at TLC then you are doing something wrong. She is the best there is and I have purchased a lot of houses. Other lenders told me no, and she got it done. No BS, no delays, just hard work and honesty. Much appreciated"

Evan Driscoll

"Brian Neuwirth did a great job as my LO and the entire operations team did a fantastic job of getting my loan pushed through and closing on time! 5 stars-worthy and I couldn't recommend them any more for your home loan. Thanks for all of your help!"

Nikolas Wood

"From the moment we contacted TLC, I felt at ease as they are truly honest, experienced, and dedicated professionals. This company provides EXCELLENT customer service! The entire team is extremely patient, knowledgeable, and attentive. Brian, Dawn, and Shelly are rock stars and went above and beyond to assist me. Every single email and inquiry made by me or my realtor or the title company was responded to promptly and proficiently. TLC made the process so easy and stress-free as I was well informed every step of the way. I highly recommend Total Lending Concepts."

Barbara Bailey

Colorado Springs, CO

"Bobby went above and beyond for my husband and I who were moving here from Fort Bragg. It was our first time ever buying a house since we are fairly young. Bobby walked us through the whole process of starting a VA loan and got us the best possible interest rates when compared to other companies! 10/10, these are amazing people to work with!!"

Viktoria Mehl

Colorado Springs, CO

"Jaysen Sanchez, Stephanie and TLC have been so great....have answered all questions and concerns so quickly ....the loan was put together in less then 3 weeks start to finish...Jaysen is extraordinary...a true asset for this fantastic company ....we will recommend to our friends and neighbors!!"

Jeanne Strike

Colorado Springs, CO

"Although we were first time home buyers, Bobby White was patient and explained in detail every part of the home buying process. Great service, and very responsive, no matter the time or day. Bobby was able to even help us secure our home by working with the buying and selling agents. Very happy with the service provided, and would easily recommend to any Colorado Springs new comers, especially military."

Joshua Sandra

Colorado Springs, CO

"Bobby White helped me refinance my home. He was professional throughout the process. He helped make sure all proccesses were as smooth as possible. You're in safe hands with TLC.."

Eileen Davenport

Colorado Springs, CO

"Everyone is extremely professional and always willing to help even though the weekend and after hours. We didn't plan on buying a house and wasn't 100% ready but Bobby helped us though everything and made it home buying easy. I would recommend to anyone who is looking to make this stressful time of home purchasing more pleasurable."

Greg Goss

Colorado Springs, CO

"Jason Rivera is the man! Made my refinance easy, got a great rate with no sweat. He made the process super easy, if you need any help with mortgage Jason is the one to go to!"

Dan Guillory

Colorado Springs, CO

"I had a great experience with Bobby White from Total Lending Concepts. I felt that I was made a priority and was cared for throughout the entire process. From understand the differences in loans and figuring out which one was best for me, to collecting all necessary data for my loan, I always felt supported."

Erin Gansz

Colorado Springs, CO

"Bobby White was our rep. Bobby was very attentive and took the time to help us through the process. Painless and smooth process. Will use these guys again and definitely recommend to others.."

Matt Kritch

Colorado Springs, CO

"Everyday, I get letters from mortgage companies offering to finance a new loan or refinance an existing loan. I recycle them immediately so they'll be useful and come back as a different paper product. I already have a go-to Mortgage Lender I've trusted for financing a new loan AND the quickest refinance known to humankind. Total Lending Concepts Colorado Springs. If you crave competence, respect, no-nonsense treatment, I say go with Total Lending Concepts Colorado Springs. Two thumbs up. Way up. With a twist."

Lloyd Lyles

Colorado Springs, CO

"I worked with Brian and Carissa on my mortgage loan. They were very humble people and care about there clients. Any means necessary to make the process go smoothly. They are up front to you about situations that are going on and keep you informed 24/7 with status of your loan. I would recommend them to anyone looking for a mortgage loan."

David Langfells

Colorado Springs, CO

"II am a first time home buyer but Bobby White made it easy to understand and made sure i knew what to expect throughout the process . He stayed in communication with me every step of the way and always assured me he was there to help if I had any questions."

Bri Marie

Colorado Springs, CO

"First time buying a home on my own. Brian and his team explained everything really clearly and answered all of my questions efficiently. They got me a great rate and understood my down payment needs without being blaming or making me feel weird about what I could and could not afford. Super easy and simple process, I will recommend these guys to everyone."

Haily Kolberg

Colorado Springs, CO


5333 N Union Blvd. Suite 100
Colorado Springs, CO 80918

(719) 266-3869


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