573-303-3844 apps@tlcmanufactured.com 25 N 9th St, Columbia MO 65203

FHA Manufactured Home Loans

Make Your House a Home.

FHA has been helping people achieve their dreams of home ownership since 1934. What does FHA stand for? The Federal Housing Administration, which is a division of HUD or the department of Housing and Urban Development. Typically, FHA loans are able to offer lower down payment and lower interest rates then other loan products because HUD insures the loan. When using FHA to purchase a manufactured home there a few extra requirements that need to be met.

FHA requirements for Manufactured Homes: 

  • The home must be your primary residence
  • The manufactured home must have been built after June 15th, 1976
  • The home must be permanently affixed to a foundation that meets FHA standards
  • Minimum size of 400 square feet
  • Each section of the home must have a HUD certification label
  • The home cannot ever have been moved from its original location of construction.

If you would like to learn more, contact us today!



Recently, I worked with Damon Volkart on a new mortgage and I couldn't be more pleased! He was helpful, diligent, and kept me informed of progress throughout the process. Any snags were dealt with quickly and efficiently and closing commenced on time. Overall, it was a very good experience!
We worked with Damon Volkart on all the homes we’ve bought, as well as rentals we’ve refinanced .we own .too . He made the process simple and on point with interest rate and the loan process 😊always nice to work with good peeps when it can be a stressful experience.. We highly recommend him and TLC
Deannna Zuppardi
We worked with Damon Volkart at TLC and he was outstanding. He was patient with my many questions and always had a quick response. He did his best to get is the most cash back for our refinance and we were more than satisfied with the outcome! We highly recommend him and TLC!
Debbie Pfautsch
Damon was above and beyond. Doesn’t hurt he is very handsome either!
Matt Tiemann
Damon you as great to work with. He helped me close a house in the states while I was living overseas in the middle of a pandemic. He mindfully communicated within my timezone and kept me informed and up to date on the process.
Sarah Daugherty
Damon and the tlc team are great! The process was very smooth. I was never surprised by anything because they kept me up to date. If I ever need a mortgage again I will turn to them first!
David Abadir
Great service! Damon is great to work with.
Ellie Stansberry
Cynthia, with Total Lending Concepts was fantastic to work with. She went above and beyond to secure us our home loan. She was understanding, worked quickly, and always responded in a timely manner. It was easy to keep communication lines open. I will recommend her time and time again and look forward to working with her in the future.
Ashley Deimund
David has been super easy to work with. He responds to emails in a timely manner, and I feel like he is my family’s corner. This is the first time I’ve ever gone through the mortgage process, but I feel comfortable and will happily recommend Total Lending Concepts to others.
Christa Strange
We are very grateful for Damon and his team. Our situation was somewhat unique and Damon definitely went the extra mile to get everything to come together in a timely manner. Would certainly recommend this mortgage lender.
Julie Miller
Recently refinanced our home with Damon as our loan officer. It was an incredibly smooth process that went quickly. Top notch customer service!
Natasha Rader
We recently purchased our lake house here in the Ozarks, and our experience with Total Lending Concepts was completely awsome...most notably, our loan officer, Damon Volkart!All through the process, he answered all of our questions and took top knotch care of us!Damon also did the same for our daughter and her family as they recently purchased their dream home.We will continue to share with our neighbors and friends the pleasant and professional experience we’ve had with TLC!
bob morgan
We worked with Damon Volkart on refinancing our home. He made himself available at any time so we could reach out with questions or concerns! He helped ensure that we got the best rate we could and we are SO happy we did this. It seemed daunting/overwhelming at first and he made it so worthwhile! If you’re on the fence about refinancing I highly recommend you reach out to him with your questions. You won’t regret it!
Jessica Thompson
Worked with Damon Volkart and had such a great experience. He is very knowledgeable of the business and very responsive when you have questions. Damon will go above and beyond to help his clients and I will recommend him to anyone looking for a home loan and I will continue to use him for my future transactions.
Katie Sigman
Our family has moved all over the country—to say we have a little experience working with home loans is an under-statement. Damon has raised the bar for a mortgage loan experience. Damon made it feel almost effortless and has consistently exceeded our expectations. I feel confident in seeking him out for information and resources on pretty much any type of loan. Damon will work hard for you and your family every step of the way! He is definitely one you can trust!
chelsea bath
January 2021Had the opportunity to work with Mary Magers of Total Lending Concepts, Inc. again this year. Refinancing just a year later, but with the percent drop, made it well worth the time and money. Again, Mary left us more than happy with the process. In a day and age of online, outsourced work, with Mary through TLC you get a reassuring voice and a consistent lending agent to walk you through the process. We wouldn't go anywhere else!January 2020As a testament to my faith in Total Lending Concepts, Mary Magers expert lending officer, I can tell you that I have followed her to her new home at TLC. I was first referred to Mary 11 years ago when my husband and I purchased a new home and inquired at a local bank. The loan officer said, because she was also top notch--a customer first lender herself, "my friend Mary can get you better rates at her current location, go see her". Within 30 days the paperwork was wrapped up and we were new home owners. In 2011 we adopted our son, and I went back to Mary and said "could we refinance", at that time she worked us through our equity loan process. Here we are 8 years later, I was looking to refinance and consolidate my loans I met with a new officer, who was great but could never be Mary. So I tracked Mary down, and here I am today. 30 days out, wrapping up the loan process. She is about the customer---she is confident, aggressive in pursuing the best deal for her client, and she is an advisor beyond compare. She will work you through the best option for you and your family. I can only hope she is in the business forever!
c c
This was the easiest home purchase I have been involved in. Damon was always on top of things and amazing! I recommend him to everyone!Edit: I just refinanced with Damon and it was even easier than the first time. Great service all around!
Blake Crutchfield
I refinanced my home in December 2020 and worked with Damon. The process was fast, super easy and efficient. He answered all of my questions promptly. I highly recommend TLC and working with Damon.
Jo Taft
Had a great experience working with Mary Magers with our home refi & loan. Super friendly, kind, and understanding. Great with answering all our questions and made sure we were kept up to date with the entire process. Highly recommend! Thank you!
David is very responsive to your questions and works hard to resolve issues. This has been a very professional process. We're very happy.
Dan Beckman
Damon was great to work with. He was there for all the questions and concerns we had and made purchasing our home easy.
Jennifer Puckett
Total Lending Concepts was so great to work with! They made everything super easy for us when purchasing our new home. Damon was very knowledgeable, very friendly, and always kept us informed throughout the whole process. We would definitely recommend them to our family and friends!
Jessica Trabue
We had a great experience with David Kling. He is very responsive and helpful. We remotely work with him without any problem. He explains things clearly and patiently. He understands what he is doing and push hard for us to get the loan before the closing date. Easy to talk with. Everything is good.
Tim Huan
A huge Thank You to Damon at TLC for making out process easy, painless, and quick. He was able to handle everything in a professional manner and get it done without any headaches.
Ashlee Pettigrew
I worked with Damon at Total Lending Concepts and couldn’t be more pleased. TLC gave me the best loan rate going and everything went through seamlessly! Highly recommend!
Deanne Winkler
Mary was great and walked us through the process. She made it easy and painless
Scott Buckallew
We worked with Damon here in Columbia for our refinance. We also worked with him for our initial home loan. He was great to work with both times and very prompt with his responses. We highly recommend TLC home loans!
Gregory Caplinger
Mitch at TLC is fantastic! Very patient and extremely knowledgeable. He made the entire process easy peasy!
Alpo Nourriture Pour Chiens
This was our first house we purchased, and being new to the lending game we had lots of questions! Cynthia Minchew walked us through everything and helped make sure we were taken care of from start to finish! I have heard about many complications when purchasing a house, and she helped make it so much easier. Not to mention, she is trustworthy and wouldn't steer you wrong! We felt so comfortable working with her and knew that she had our best interest at heart. I would highly recommend Cynthia and her company!
Kaylin Bean
Mary was super amazing through the entire wild ride of a buying our first home! Answered all my questions almost immediately!
Tessa Turner
First time home buyer here. Mary was extremely helpful with the process and thorough with explanation. Very easy to work with. Overall great experience
Jacob Hutton
I cannot say enough good things about Mary! Even though purchasing a home is a long, frustrating process, she is willing to listen and find the best option for you and your family. She keeps you updated every step along the way! Strongly recommend!
Keely Schoonover
I had a great experience working with Damon Volkart! He was knowledgeable, responsive, and made the entire process simple. I would recommend anyone in need financing to reach out to Damon!
Stephanie Lynn
If we could give Damon Volkart at Total Lending Concepts 10 stars, we would!!! We loved working with him! He answered all our questions, he was available at any time to help us through the loan process, and he worked extremely hard to gain our trust and loyalty. After working with Damon, and comparing TLC to other lenders, we're confident that we received the best value, the best customer experience, and the best rate we could. He earned a lifelong client with my family and me!
Megan Fewell
My wife and I went with TLC Lender for our first house's mortgage and had a fantastic experience. Our lender worked hand in hand with us every step of the way and was very responsive. Morning or night, he would answer every question we had! I highly recommend TLD service's for your home mortgage and will definitely come back if I ever purchase another home.
Sam Richards
Mitch is amazing. He is very helpful when answering question no matter how silly. He will do everything he can to get you the house you are looking for. I would use him again.
Miranda Lilienkamp
This was the easiest refinance ever! Damon answered all my questions, had quick response times, and took great care of everything.
Samantha Buckridge
Damon was very knowledgeable, easy to work with and made our buying experience very enjoyable.
Colby Hughes
We just refinanced with Damon he was super helpful and made the whole process a breeze. He was always available to answer our questions we will definitely be recommending him to our friends.
Sara L
Cynthia was very helpful in explaining my options for refinancing, and we were able to close quickly and lower my mortgage payments substantially. Great service and fast responses to all my questions. I highly recommend working with her!
Janet Robison
We worked with Marcus Jones and he was amazing!! We were first time home buyers and he walked us through the whole process making sure to explain everything as we went. Loved him and would def use TLC again!

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.


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.


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.