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Whether you’re a first-time homebuyer or savvy investor, you’ll be amazed by the variety of programs to choose from, flexible guidelines, appealing rates, and excellent customer service. Check out and compare our loan programs below to find the right loans to fit your needs.

FIRST-TIME HOMEBUYER

Low-down-payment programs to get you into your first house.

** Down payment: from 3%
** Credit Score: from 620
** Loan Limit: $548,250
** Occupancy: primary residence

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FHA LOANS

Great rates, low down payment, lenient credit guidelines.

**Down payment: from 3.5%
**Credit Score: from 620
**Loan Limit: based on location
**Occupancy: primary residence only

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JUMBO LOANS

Larger loans for luxury homes, and bigger properties.

**Down payment 20%
**Credit Score from 680
**Loan Limit: over $548,250
**Occupancy: primary residence, secondary homes, rentals, investment

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VA LOANS

Home loan for veterans with 0% down and great rates.

**Down payment: from 0%
**Credit Score: from 620
**Loan Limit: No loan limits
**Occupancy: primary residence only

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CONVENTIONAL LOANS

Standard loans with lots of flexibility to fit your needs.

**Down payment from 5%
**Credit Score from 620
**Loan Limit: $548,250
**Occupancy: primary residence, secondary homes, rentals, investment

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REFINANCING

Choose Conventional, FHA, VA. Rate & Term or Cash out.

**Loan to Value: up to 100%
**Credit Score: from 620
**Loan Limit: Based on equity
**Occupancy: primary residence, secondary homes, rentals, investment

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REVERSE MORTGAGE

The answer for retirees who have equity, but need cash.

**Age: At least 62 years old
**Credit: must show creditworthiness
**Loan Limit: Based on equity
**Occupancy: primary residence only

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USDA LOANS

For low to moderate-income borrowers & rural properties.

**Down payment: from 0%
**Credit Score: from 620
**Loan Limit: based on location
**Occupancy: primary residence only

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TLC REVIEWS

“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

“We walked into Total Lending Concept with a loan that failed for an unexplainable reason. We were crushed because we were going to lose the house we were under contract on. Crystal took on our situation. She stayed late just to finish our file. She is amazing. I would HIGHLY recommend total lending concepts, especially Crystal, if you are looking for a lender for a home purchase! This is truly a company that cares.”

Sarah Stucke

Pueblo, CO

“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

“This company was extremely easy to work with. Made the home buying process as stress free as possible. Would highly recommend working with Kacey Jones. She was very helpful and easy to get in touch with. She was more than willing to answer any question we had even for the smallest things.”

Christine Key

Tulsa, OK