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 15^th, 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!

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Total Lending Concepts

4.8

Based on 191 reviews

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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 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

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

Thanking Damon for all hes done for me and my family last couple months. Helping understanding the process of a VA home loan and being a first time home owner. Thank you for keeping your promises being a straight forward and trusting individual. I recommend Damon when handling your loan.

Reed Alexander

Damon and Total Lending Concepts are the real deal. They were prompt and completed the loan process in a timely manner. They were completely transparent and gave me all the facts I needed to make the right decisions. I would highly recommend Damon and Total Lending Concepts if you are purchasing a home. Thank you again Damon!

Jameson Holder

I had a wonderful experience working with Mitch. He made the first time buying a home run smoothly! He always kept me up to date and was there to answer any questions I had. If I need help again in the future, I know who I’ll go to!

sydney rapp

Eric at Total Lending Concepts was awesome. He was always available for any of my questions at any time of the day. He was very professional and I couldn’t be more happy of my choice to go with him.

Michael Haynie

We started using Eric and the TLC Moberly Branch.Total Lending Concepts have been upfront on what steps are needed to complete our goal of buying a home.Eric has been great to work with. He has been in tremendous communication with us via phone, text and email.We recommend him and the professionals at TLC to anyone in the area looking to buy a home.

Kraig Haukapp

Ben Patton has been wonderful to work with. I have been helping my dad with his home purchase and Ben and his team have been so responsive and personable. They know how to make the process convenient for the borrowers and have been gracious even with both my dad and I asking questions.

Tennille Lester

I am a first time home buyer. Damon made this process smooth and simplistic. He explained everything and was always very helpful with any questions. I highly recommend working with him.

Jennifer Oakley

Daniel murphy

Brandon and his team are so easy to work with

Shawna Dorsey

Damon helped us get the loan we needed for our home in a timely manner. Thank you!

Keri Estwin

1st time home buyer. Cynthia is the best Person I could’ve had helping me! I know nothing about homes and she explained so much to me and I am very thankful for her help. When my friends need help buying a home, I will recommend her. Thank you

William Rodriguez

Overall, great experience!! Damon made the entire loan process easy and stress free. Would highly recommend working with him and this mortgage company. Thank You!!

Ashley Alexander

Adam Kehl

Damon was an incredible help for us as we went through the process of buying our first home. He worked hard all day and late into the night for us on many occasions. Couldn't have asked for a more dedicated lending agent! Stephanie was an added bonus of support, dedication and assistance! Highly recommend this team!

TheMomWife

Damon was AWESOME. Great communication, great service. Couldn't have asked for an easier ReFi. Thank you, Damon

Jason Ollison

Our experience as first time homebuyers with TLC was great. Damon was very personable and explained everything to us in terms we could understand. He was available 24/7 and was always ready to help. Stephanie has excellent customer service skills and helped make the process smooth and rather fast. We will definitely recommend TLC to our friends and family.

Christine P

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!

BRENDA CROZIER

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

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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.