Home Only Loans

Make Your House a Home.

Home Only Loans are loans made on the purchase or refinance of a manufactured home that is not permanently affixed to real estate. These types of loans are generally used for manufactured homes that are going into a community or on land that you do not own. Unlike traditional mortgages the terms on these loans are capped at 300 months (25 years) and the interest rate is typically 3% to 5% higher when compared to traditional mortgage rates. The advantage of this loan product is it allows the consumer the flexibility to get a mortgage on a new or used manufactured home without the need of owning real estate.

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Total Lending Concepts

4.9

Based on 218 reviews

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Christine Germann

Couldn’t have asked for a better experience as a first time home buyer! If you are the apprehensive or super anxious type you will rest assured with Damon! He is very re assuring and will keep you updated throughout the entire process!!

Casey Gordon

Everything went smoothly with a fast close. Recommend.

Bryan Stevens

As a first time home buyer Damon Volkart helped make the process clear and as easy as possible for me. He answered my questions and responded to my calls promptly and professionally. I can not honestly think of anything more I could ask from him. I never had to wait for days for him to call, or text back. He was always on top of things and was detail-oriented. Outstanding job, Damon!!

Eric Collins

Damon was fantastic to work with and helped us though the home buying process l for us as first time home buyers! He is super patient and was able to answer any questions we had!!

Dale Scott

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

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 O’Neill

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

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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.