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

Land Home Loans

Make Your House a Home.

Our land home one-time close construction product allows borrowers to not only purchase a new or used mobile home, but also the ability to purchase land to put that home on. Our construction loan requires a minimum of 10% down payment but if you already own your land you can access the equity in your land to use as your down payment. Regardless if the home is used or new, or a singlewide or a doublewide we allow our borrowers a flexible term schedule up to 30 years. Another advantage to our one-time close construction product is we do not require our borrowers to pay Private mortgage insurance (PMI).

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

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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 Dougan
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!
Keeping Up with the Joneses
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
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!
Lori Moots-Clair
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!
karadione
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.