Business Details
Your Trusted Mortgage Lender in Columbia, MO
Total Lending Concepts was founded to provide clients with high-quality home loans and competitive mortgage rates across multiple states. With over 50 years of combined experience in Missouri, Tennessee, Arizona, Arkansas, Florida, Texas, Kansas, Colorado, Oklahoma, New Mexico, and Louisiana, we specialize in helping first-time homebuyers, real estate investors, and refinancing clients achieve their goals. As a locally owned, government-approved lender, we offer FHA, VA, and USDA loans tailored to diverse financial situations.Our team prioritizes personalized service, guiding clients from pre-approval to closing with transparency and accessibility. We operate with a community-focused approach while maintaining nationwide support through offices across the U.S. Our commitment to lasting client relationships drives our dedication to continuous service excellence beyond the closing table.
Services
Fixed Rate Mortgage
FHA Loan
VA Loan
USDA Loan
Jumbo Loan
Refinance
Cash-Out Refinance
Investment Property Mortgage
Rehab Loan
First Time Home Buyer
Highlights and features
- We offer 50+ years of combined mortgage lending experience across 11 states
- Our team provides personalized loan officer support from pre-approval to closing
- We maintain local market expertise with nationwide operational capabilities
- We specialize in government-backed loan programs for diverse financial situations
- We operate with weekend and after-hours availability for client convenience
Services
Fixed Rate Mortgage
Our fixed rate mortgages provide stable monthly payments with interest rates that never change over the loan term. Clients benefit from predictable budgeting and protection against market rate increases. Available in 15-, 20-, 25-, and 30-year terms, these loans suit long-term homeowners seeking financial stability.
FHA Loan
FHA loans enable low-to-moderate income borrowers to purchase homes with minimal down payments starting at 3.5%. These government-insured loans offer flexible credit requirements and competitive rates for primary residences. We guide clients through the specialized documentation process required for FHA loan approval.
VA Loan
VA loans provide eligible military members and veterans with zero-down payment options and favorable terms. Our specialists assist with the unique requirements of these government-backed loans, including habitability inspections and streamlined refinancing options for existing VA loan holders.
USDA Loan
USDA loans offer no-down payment options for qualifying buyers in designated rural and suburban areas. We help clients navigate income limits and property eligibility requirements while providing access to competitive rates for primary residence purchases.
Refinance
Our refinance options help clients reduce monthly payments, consolidate debt, or shorten loan terms. We offer conventional and government-backed refinance programs with personalized rate analysis to maximize long-term savings for homeowners.
People
Greg DeLine
Owner
With extensive mortgage industry experience, Greg leads Total Lending Concepts' Columbia, MO operations. He ensures our commitment to personalized service while maintaining compliance with all lending regulations.
Glenn Folse
Chief Executive Officer
Glenn oversees national operations from our Dallas office. His leadership focuses on expanding our service footprint while maintaining the local touch that distinguishes our mortgage services.
Rory Dunham
Chief Operating Officer
Rory manages day-to-day operations across all locations. He implements process improvements to enhance client experiences while ensuring efficient loan processing and underwriting standards.
Ross Kulik
VP of Central Region
Ross leads our central region team with over 15 years in mortgage banking. He specializes in complex loan scenarios and ensures regional compliance with federal lending guidelines.
Kyle Turner
VP of National Development
Kyle drives our national expansion strategy from Columbia. He focuses on establishing new service centers while maintaining our community-oriented approach to mortgage lending.
Questions
What loan options are available for first-time homebuyers?
We offer FHA loans with low down payments, VA loans for veterans, and USDA loans for rural properties. Our specialists help first-time buyers choose the best option based on their specific circumstances.
Can I refinance my existing mortgage?
Yes, we provide rate-and-term refinancing, cash-out refinancing, and VA streamline options. Our team analyzes current rates and your financial situation to determine if refinancing would benefit you.
Do you offer jumbo loans for high-value properties?
We provide jumbo loan programs for luxury homes and investment properties exceeding conventional loan limits. These tailored solutions maintain competitive rates while accommodating unique financing needs.
How does the pre-approval process work?
Our pre-approval requires income verification, credit assessment, and asset documentation. This process clarifies your budget and strengthens your position when making offers on properties.
Are there special programs for military members?
We specialize in VA loans offering $0 down payment options. Our team understands military service members' unique needs and provides dedicated support throughout the VA loan process.
What areas do you serve?
We operate in Missouri, Tennessee, Arizona, Arkansas, Florida, Texas, Kansas, Colorado, Oklahoma, New Mexico, and Louisiana. Our local offices provide regional expertise with nationwide support capabilities.
