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National Strength, Local Presence

Whether you are looking for your first home or your dream home, we have a loan product for you.

Welcome to Total Lending Concepts

WE ORIGINATE ALL LOAN TYPES

You’re ready to buy a home, but you don’t know where to start. We’ve been there! Most homebuyers don’t even know that there are different types of home loans. It’s no wonder the homebuying process seems so intimidating to new homebuyers. Thankfully, if you’re just starting the homebuying process, you don’t have to figure it out on your own. An experienced home loan expert can help you determine if a conventional, FHA, USDA, or VA loan is what you need. Let’s explore all the home loan types so you can make your important investment with total confidence.

YOUR LOCAL LENDER WITH NATIONWIDE SUPPORT

Locals know best. They know the best shortcuts, which parks have the best playgrounds for the little ones, and which hole-in-the-wall pizza joint is the tastiest. So when it comes to buying a home, a local mortgage lender knows best, too. They live and work where you live and work, and they’ll treat you like a neighbor, even if you aren’t one… yet. Total Lending Concepts is your local mortgage lender you can rely on, no matter where you’re located: We have offices all across the U.S. No matter where you’re headed or where you currently live, you’ve got a neighbor to lend you a hand at TLC.

WE OFFER ONE-ON-ONE SUPPORT

What does good customer service feel like? It’s knowing that someone won’t leave you high and dry when you have a question. It’s knowing that the person on the other end of the line knows who you are and is personally invested in you. Not every mortgage lender cares about that, but at TLC, it’s what makes our team tick. From pre-approval to closing day—and beyond—your loan officer runs alongside you to the finish line. We’re here for you on weekends and after hours, and with teamwork, trust, and a little TLC, we’ll get you home.

Client Resources

Surf our website to learn about our company, see our loan programs, and request a free consultation.

Mortgage Calculator
Look at different scenarios with our calculators.
Learning Center
Read through the articles to help you learn more about the mortgage process.
Loan Programs
Familiarize yourself with some of the loan programs we offer.
Quote Request
Request a no obligation quote with no credit check required.
No Obligation.
No Credit Check.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

Lender Footprint

Green = Current Licensed States

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Our clients are the foundation of our success.

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