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Tessa with Total Lending Concepts has been absolutely amazing to work with! Tessa will keep in touch every step of the way to let you know everything is on track and going smooth! We highly recommend her!
Lindsey Baney
This was my first time buying a house EVER. I went in completely unaware of what I was doing, and Mitch absolutely pulled me out of the dark and gave me confidence in what I needed. Despite my constant confusion and inexperience, he gracefully walked me through the process. He took time to help me at the drop of a hat, and I couldn't have asked for a better person to be in my corner during such an already stressful process. Admittedly, there were moments where my inexperience gave way to frustration, and Mitch took that in strides and did everything to make me feel like everything was going to be okay. If ANYONE needs help getting the best home loan possible, I cannot recommend Mitch Richards enough. He has truly changed my life.
Owen Wilson
I recently bought my first house, and had the pleasure of working with Damon. I could not have asked for a better experience- Damon was extremely responsive, answered all of my questions in detail, and made me feel entirely capable throughout the process. I feel extremely fortunate to have found TLC and largely credit Damon with my (surprising) lack of anxiety entering into homeownership.
Alexandra Morphew
Tessa with Total Lending Concepts has been amazing to work with! She explains everything perfectly and is very helpful. Tessa stays in touch every step of the way even if nothing is needed she called just to touch base and let us know everything is on track! We highly recommend her!
Heather Ray
I highly recommend TLC. Damon Volkart took the stress out of the home buying process. Thank you for making the process quick and easy!
Maggie Richmond
I would highly recommend this company!! If you're in a spot where your getting denied by banks and credit unions because of your credit isn't perfect, TLC can make it happen! We worked with Duanna and let me tell you, she went above and beyond for us. We were stressed and honestly a bit difficult to work with during a time or two through the home buying process. She was so patient, kind and professional with us through out. She walked us through this step by step and was extremely responsive with every question. If she missed a call from us she would literally be calling us back in less than 10 minutes. Seriously Duanna is the best!!!
Sarah Bowen
I had the pleasure of working with Jacob Robertson, and I couldn't be more impressed. Jacob went above and beyond to secure the best financing for my clients. His expertise and dedication made the entire process remarkably smooth. I highly recommend Jacob for his outstanding service and commitment to excellence.
Payne Stark
Amazing staff. Tessa Jackson is very helpful with the buying process. Step by step explains what us needed and why. Works to ensure the best options for the buyer loan wise. Highly recommended for you home loan buying needs. Also veteran friendly and supportive.
Rusty
i'm working with them now and they have been great with me even with all my anxiety ! Which says a lot of about their character. good people
Emily Manning
Getting a home loan can seem super overwhelming especially for our first time and Duanna was so responsive, so helpful, and answered every question to help us understand and feel informed. I cannot recommend her and TLC enough. Duanna Frerking is the absolute best.
Aylya Marzolf
Damon was awesome! He helped us with the loan process each step of the way. He answered all of our questions promptly and helped us confirm that we purchased the correct type of homeowners insurance. We especially liked the videos from TLC that we'd receive each time we reached a milestone in our loan process. Thanks Damon!!
Adriana Montenegro
Paige Flood
We had a great experience with TLC. We worked with Duanna and her team & everything went smoothly, communicating was easy over text or through the app.
Madison Anderson
Worked with Julz and her staff. Amazing experience! Highly recommend!
Julie Coon
Damon was very helpful explaining the loan process!
Jesse McInvale
Damon lead us through the process without a hitch. His professionalism and attention to detail helped make for a good experience.
tron jordheim
Damon was absolutely excellent through my loan process! Answered any questions I had and closed my loan in under 30 days!
CDooley
Damon was a tremendously helpful asset in purchasing our new home. He was always present any time we needed assistance with even the simplest of questions. He told us the financing would be the most stress free component of our move and he was absolutely correct. I wouldn't allow anyone else to help my family with such an important task. Words cannot express our gratitude. If you have the slightest trepidation about purchasing a new home go with this guy. He's the best. Thank you for all your help Damon, the pleasure was truly ours. -The Sangsters.
B S
Tessa Jackson made my first home buying experience as smooth as possible! Even with a few bumps in the road, she always remained helpful and optimistic! She was willing to answer any questions I had, day or night! I highly recommend her as she is very professional, knowledgeable and overall a great person to work with!
Dakota Lihvarchik
We want to give a big thank you to Damon! Our experience purchasing our home was as smooth as it could be and we couldn't be more happier. Again thank you Damon for this wonderful experience. Todd and Julie Redel
Julie Redel
We worked with Tessa for our purchase! She was exceptional!!
Lenze Shannon
We worked with Tessa from TLC. She went above and beyond to help us and worked extremely hard to help us close very early. Definitely will use them again.
Zachary Townsend
Damon Volkart and TLC are mortgage lending Rockstars!!We recommend them to anyone that is purchasing or thinking about purchasing a home.
Brett Shearer
Working with Damon at Total Lending Concepts was a wonderful experience for our first time buying a home! Purchasing a home is no easy task, but with the help of TLC, we knew we were well taken care of from start to finish. Will definitely continue doing business with Damon and TLC for our future endeavors! Yay for homeownership!
brittany Adelle
Damon was great to work with. He was professional and friendly.
Michael Albrecht
Damon you are AWESOME!! Thanks for everything, especially for calming me down when I would lose my sh*#!!! 😜We trusted you and it all worked out the way you said! Thank you again, you rock!!!
Rachelle Caldwell
Whatever your lending needs Damon and TLC will take care of you like family
Ryan Price
I would absolutely recommend TLC and Tessa Jackson! She has gone above and beyond for my husband and I during our home construction and financing process. She kept us updated and informed all throughout, even if it meant after normal business hours!If you are looking for a mortgage lender that is caring, passionate and wants what it best for you, look no further, Tessa is your person!
Lora Colley
Ernie Wren was highly professional and walked us through every step of the process. We received exceptional customer service from him and his team. We highly recommend for any lending needs!
Tara B
Mitch and his team at TLC were amazing! First time home buyer after my divorce and was relocating for a new job in another state. He walked me through each process, answered all my questions and provided local realtor contacts to help in my search. The process has been super easy and I can’t thank Mitch enough for the work he put into helping me secure our home. 10/10 recommend Mitch and the team at TLC!
Leah Wellenstein
Our experience Damon was wonderful. He helped us to buy a home for our daughter. Making her dream a reality. He answered all our questions. Was very prompt with returning calls,text and emails. He was always friendly patient. I would definitely recommend him to anyone needing his services. Thanks again Damon!
Sharon JANSEN
Not a first time buyer, but my credit is less than stellar. This process has been surprisingly smooth, and Mitch has been fantastic through the whole thing! Cannot recommend TLC enough!
ruby spitfire
Damon has done multiple loans for our family and always provides top notch service!
Sarah Hollenberg
Stephanie Flattem did an awesome job! She always was quick to respond and was able to explain the process thoroughly. Would definitely recommend her to anyone looking to buy a home.
Okla Fitzpatrick
This was my first home buying experience. Damon was able and willing to answer all my questions and even explain how the process worked. He made this process incredibly comprehensive and calming. I appreciate all the time he put it and the late night conversations we had whenever I was feeling anxious or overloaded with all the information. Damon is truly an angel and I appreciate all the time and effort he put into my home buying experience.
Emily Moore
This has been a smooth transition switching over to TLC midway through the purchase of my new home. Connor and his team have been amazing to work with and are always quick to respond. We have been able to work through email, text and the app making it easy to respond while at work.I would highly recommend using them if considering a mortgage.
Robbi Woolery
Have to share an amazing experience we've had working with Ernest Wren. From day 1 our journey started Ernie was in our corner, for any questions or concerns. Available anytime I needed something even to ask a simple question.Ernie pulled out all the stops to make our dream home come true, working with us every step, making sure documentation was squared away, communication was on point, deadlines were met and most important the open communication.From the day our journey started to the day we closed its has been a memorable unforgettable experience.If your wanting to get a home. I would highly recommend Ernest Wren in your corner!!!
Jacob Maresh
Working with Damon made the process very simple. He answered all our questions and handled everything perfectly. Highly recommend giving him a call if you are in looking to purchase a home or refinance.
Kalip Davidson
Ernie Wren - what can I say? What a guy! professional, knowledgeable, patient, and persistent. We charged Ernie with finding a needle in a haystack - low credit score, first time home buyer, FHA requirements, family of six, very little savings. He waded through uncharted territory on two homes that fit most of the bill - the first had a lagoon issue which was totally in violation of current laws, and did not have the required land to remedy the situation - even with an engineered system that would have cost upwards to $50,000. The second was perfect - except a complete home inspection could not be done because part of the house was sealed off due to bats having lived there. Wrong time of year to move them; and restoration would have been extensive and expensive on the entire upper level. This guy hung in there for over a year, helping navigate all loan requirement issues, down payments, etc. while still keeping all parties involved in the loop. He deserves a place in heaven - because his persistence paid off, and a house was found in November and after a few more financial wrinkles we were able close in mid-December - just in time for Christmas! I/we would highly recommend Ernie Wren.
Karen Meldrum
I WAS a first time home buyer and Damon was A1. Extremely informative, friendly, and on top of everything. Very happy that I was working with him and would recommend anyone to use him.
KcMr3000
Damon at TLC was great to work with and on the ball with making sure the process went smoothly.
Trent Terry
Mitch was awesome! He got us taken care of very timely which was huge. We call him "Clutch Mitch". He was very easy to work with and very professional. Their online portal was very easy to use to track our progress and all of our documents.
John Newingham
Good communication prior to closing date, so worked out the kinks beforehand and had a relatively stress-free closing process.
Greg Smith
Damon and his team at Total Lending Concepts were excellent to work with. Most of the communication was through emails, texts, and the use of the app. This was perfect for our busy lifestyle. They answered all of our questions and were quick with responses. I would definitely recommend Damon and his team at Total Lending Concepts for your home loan needs.
Melissa Marriott
We are in the process of buying our first home and I can’t say enough good things about this company. Cassie and her team have been the best to work with and made the process a breeze for us!
Melissa Compston
If your looking for someone to help you finance your home Eric is the way to go. He is always available to answer any questions you have and will go out of his way to do what he can. Thank you for a wonderful experience.
Laurie Caldwell
Marcus was terrific to work with throughout the entire process. Wouldn't recommend anyone else!
Kristopher Kunz
Thanks Damon for guiding us through the process. I appreciated the quick responses to questions. It was a pleasure working with you.
Mark Verbrugge
I had the privilege of using Total Lending Concepts to help my finance my first home. Jake Abbott and his team went above and beyond to ensure that I was well taken care of and that no question went unanswered. Their app made everything streamline and seamless for uploading, signing, and receiving documents. I would like to note that I used a VA Loan, and Jake and his team made that process painless. If I ever decided to buy a new home, I will definitely be using Total Lending Concepts and Jake Abbott again!
Matthew Frueh
Rebecca made the mortgage process extremely easy. She was always there to answer any questions along the way. She helped make it a stress free experience.
Katie Palmer

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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.

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

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the Federal government fight the funding of terrorist and money laundering activities, the Federal law now requires all financial institutions to obtain, verify and record information that identifies each person who opens an account or applies for a loan.

WHAT THIS MEANS TO YOU

When you open an account or apply for a loan, we will ask for your legal name, address, date of birth and other information that will allow us or others to identify you. We will also ask to see your valid driver's license or other identifying document.

NOTICE TO ALL APPLICANTS

A Consumer Report may be requested in connection with this application for credit or any future update, renewal, or extension of such credit.  Upon request, you will be informed whether or not a consumer report was requested.  If a report was requested, you will be informed of the name and address of the consumer reporting agency that furnished the report.