Total Lending Concepts

Lake of the Ozarks is a beautiful area located in central Missouri boasting one of the largest man-made lakes in the country and a host of tourist activities for anyone and everyone. The housing market in and around the Lake of the Ozarks has been strong and steady for several years. The combination of new developments and lake homes gives any potential buyer the chance to find something they love. Our office offers every mortgage you could need from purchases to refinances. Whether you’re a first-time home buyer or a savvy investor, we can provide what you need, including:  FHA Loans – often referred to as first-time homebuyer loans. They offer 3.5% payment and more lenient credit guidelines.  VA Loans – offer zero down loans and low rates for veterans. Conventional Loans – offer excellent rates, and if you put 20% down, you won’t have private mortgage insurance.  Jumbo Loans – If you need a larger loan that exceeds conventional guidelines, we have the perfect jumbo loan for you.  USDA Loans – zero down loans for rural areas.  Construction Loans – want to build your dream home? We can fund it.  Manufactured Homes – We offer loans for manufactured and modular homes.  We are ready to help you find your lake-area dream home today!