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

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.

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



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!
My husband and I had a very enjoyable and efficient experience with Total Lending Concepts, and Marcus Jones specifically. Marcus’ communication was timely, and he kept us informed every step of the way. Whenever we had any questions, he was readily available to answer our calls and smoothly guide us from our pre-approval stage to finalizing our loan/home purchase. I thoroughly enjoyed working with TLC and Mr. Jones. I cannot give the company, Marcus, and our experience enough praise!!
Kayla Eads
Very professional and returned things in a very nice manner. Will definitely go back there for my mortgage needs. Marcus Jones did a great job with communication and helping my wife and I with out first home.
Christian Phelps
I have been working with Cynthia Minchew in order to obtain a loan for our first home. She has been very helpful and quick to respond to any questions I may have during this process. I would definitely recommend Cynthia and Total Lending Concepts!
Catherine Goenner
Highly recommend TLC. Buying a home during a pandemic after being furloughed seemed impossible, but Cindy made it not only possible, but pleasant! She made herself available for every question, concern, and was a joy to work with. Our team was kind, courteous, understanding, and hustled to make our dream come true!
Daisy Polk
My experience at TLC mortgage was fantastic. Mitch Richards and team took the time to explain the process, start to finish, and went above and beyond to iron out a few interesting hurdles, fixing a few old mistakes made by my previous lender. Call Mitch if you need a new mortgage or need to refinance an existing mortgage. He’ll work hard to get you a competitive rate.
Mark Flakne
Awesome experience!
Stephen T
Damon Volkart and his team at TLC have made our first refinance experience a great one! We would highly recommend them to anyone interested in a loan.
Brian Bishop
We worked with Damon and had the best experience. It was our first time buying a house and he provided us help every step of the way. We had to have a shorter closing than normal and Damon was available day or night to help with this crazy time. He made a stressful situation less stressful. I would recommend Damon to any of my friends looking to make a purchase.
Alex Zumsteg
We used Damon Volkart for our loan. Great communication and everything went great. Highly recommend using Damon and Total Lending Concepts!!!
Kevin Bazat
Worked with Damon. Was there thru the whole process. I’ve bought many homes. This was the easiest lending process so far. True professional!
M Kuhl
It was a pleasure working with Damon during my home purchase. He was very helpful, friendly,professional and easy to contact. His response to all my questions was quick and helpful. I recommend Damon Volkart at Total Lending Concepts to anyone looking to apply for a mortgage!
Luann Regagnon
I just wanted to say I really enjoyed working with Damon when purchasing my new home. He was a joy and answered all the questions I had going thur the total lending process. Thanks again Damon for all your help Sandra Rushing.
Sandra Rushing
This has been our second time working with Mary and despite being in the middle of a pandemic and moving 100 miles it has gone very smoothly! She is very knowledgable and responsive to any questions which has made this process incredibly stress-free despite all of the obstacles we have faced along the way. We are nearing the end of the process and we would definitely work with her and Total Lending Concepts again!
Jessica Harn
Worked with Mitch. Very happy with the service. Mitch always answered my questions in a timely manner and made sure I understood everything. I will definitely be using them in the future. Thanks for all your help Mitch!
aaron miller
Great Team and Mitch was very nice to work with he made sure everything was streamline and had very good advice. Very experienced, I could call him any time and ask him a question, that guy works hard for you.
Shelby See
I worked with Cynthia and she has been very helpful. As a first time home buyer, she was able to answer all my questions and also help suggest ways to lower my costs! Great experience! Definitely recommend their services
Melissa Rodriguez
My wife and I are most of the way through the home-buying process, and Mitch Richards of Total Lending Concepts has been great to work with. He's made everything as smooth as possible through his availability and his patience in answering our questions. He's kept us in the loop at every step with frequent updates on the status of our loan application. It also doesn't hurt that he got us excellent rates! We're very satisfied customers.
Mark Tucker
Matt has been awesome! He got everything set up for me extremely quickly and was even able to reply after business hours which is a huge plus when you work crazy hours. They even use an automated messaging system also that lets you know immediately when something needs updating so you don't miss a step.
Alyssa Lahaye
I was very pleased with their communication and the time they put into our home buying process. Highly recommended!
Jeremy Pelotte
Damon is exactly what you expect out of a great lender. He communicates, is timely and TLC's rates and fees were better than the competition. Highly recommend
Eric Hollenberg
I picked the best team in Columbia MO to help me find and get the best home loan. This team been very good to me and I highly recommend them to first time home buyer's. They get the job done.
Janay Bennett
Damon was very professional and knowledgeable about the entire application process. He communicated every step of the way and made sure everything went smooth all the way through closing. Would definitely use again.
Danny Dornan
We picked probably the most complicated loan to use, it was a little rough but we made it through and were overall were very happy with our experience. We are very appreciative of Mitch Richard's for all of his hard work and making it happen.
Nico Decandia
These people are great to work with! They were quick to respond to my questions and they helped me with everything I needed. They also made sure I got the best rate! They also guide you in what your supposed to do very well!
Stephen Pressley
I would recommend Total Lending Concepts to anyone. Cythia was always ready to answer my questions and made the process the least amount of stress as possible.
Katie Highfill
My loan officer Damon was great. He was very knowledgeable about the current lending landscape, was very responsive to all my questions throughout the process, and was always happy to help my wife and I anytime we asked simple questions. He definitely made this usually stressful process very painless. I would highly recommend him to any friends or family for their purchase or refinance
Ryan Concannon
Wonderful experience from start to finish. Couldn't be happier with the service provided by TLC and Damon Volkart.
Love working with Marcus Jones at TLC! He is THE BEST in the lending industry!
Samantha Gage
Mitch made this process so painless and jelly me well informed along the way. They worked with me when i didn’t think i stood a chance. The processor was diligent and kind. So excited to move into my new home !!
Lauren Allen
WorkOmg with total lending concepts was the most pleasant experience ever. We have tried to get a loan before and it was a nightmare! It even made us not want to get a home loan at one point but not with Cynthia Minchew and total lending concepts. It was awesome I very highly recommend using this total lending concepts and Cynthia!!
Matthew Cozad
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!
Blake Crutchfield

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.