Loan Programs
The Right Loan for Every Situation
Total Lending Concepts offers a variety of loan programs to meet your needs! Regardless of your situation, we can help make your home buying dream a reality.
Total Lending Concepts in Colorado Springs, Colorado is ready to partner with you for all of your mortgage loan needs. As the top mortgage lender in Colorado Springs, TLC has helped many in our community find their first home or their dream home. We offer a diverse line of loan programs including USDA, VA, FHA, Refinance, Jumbo Loans, Reverse Mortgages, and more. Here at Total Lending Concepts’ Colorado Springs, Colorado branch, making your homeownership dream a reality is what drives us every day.
Not all Colorado Springs mortgage lenders are the same. Total Lending Concepts goes the extra mile to ensure your home-buying experience is a positive one. It’s why our local community reviews are overwhelmingly positive!
Looking to buy your first home? Our Total Lending Concepts First-Time Homebuyer program is what you’re looking for.
Are you a veteran looking to get into your dream home? The Total Lending Concepts VA loan option might be your answer.
Ready to leverage existing assets for maximum value? The Total Lending Concepts Reverse Mortgage option might just be right for you.
The moral of the story is simple. If you’re in Colorado Springs or the surrounding areas and you’re looking for honesty and integrity in the home buying process, partnering with Total Lending Concepts for your mortgage needs should be your next step.
Click on any of our loan programs below to learn more and take your next steps.
FIRST-TIME HOMEBUYER
FIRST-TIME HOMEBUYER
** Down payment: from 3%
** Credit Score: from 620
** Loan Limit: $474,350
** Occupancy: primary residence
FHA LOANS
FHA LOANS
**Down payment: from 3.5%
**Credit Score: from 580
**Loan Limit: based on location
**Occupancy: primary residence only
JUMBO LOANS
JUMBO LOANS
**Down payment 20%
**Credit Score from 680
**Loan Limit: over $474,350
**Occupancy: primary residence, secondary homes, rentals, investment
VA LOANS
VA LOANS
**Down payment: from 0%
**Credit Score: from 620
**Loan Limit: varies by state
**Occupancy: primary residence only
CONVENTIONAL LOANS
CONVENTIONAL LOANS
**Down payment from 3%
**Credit Score from 620
**Loan Limit: $474,350
**Occupancy: primary residence, secondary homes, rentals, investment
REFINANCING
REFINANCING
**Loan to Value: up to 100%
**Credit Score: from 580
**Loan Limit: Based on equity
**Occupancy: primary residence, secondary homes, rentals, investment
REVERSE MORTGAGE
REVERSE MORTGAGE
**Age: At least 62 years old
**Credit: must show creditworthiness
**Loan Limit: Based on equity
**Occupancy: primary residence only
USDA LOANS
USDA LOANS
**Down payment: from 0%
**Credit Score: from 620
**Loan Limit: based on location
**Occupancy: primary residence only