Tom Stone at Flat Branch Loans is the best mortgage banker we've ever dealt with. And the most…read moreresponsive!!! He was ALWAYS available via email, phone or text. He went above and beyond, and surprised us by working past office hours on many occasions. Buying a new home was a more complicated process than we realized, my husband and I had no idea what we were getting into. Tom made that process as clear and smooth as possible, knowledgeably answering all of our questions with great patience. Tom was so personable it felt like we'd gained a new friend not just a mortgage banker. We found Tom thanks to a number of positive reviews on the Flat Branch Facebook page, not being from the Columbia area we relied heavily on reviews to find trustworthy people. Tom lived up to every stellar review and then some. We look forward to working with him again in the future and highly recommend him to anyone in need of his services. He's the best there is.

Jeff went above and beyond to ensure we secured our mortgage at a good rate and gave very detailed…read moreinfo along the way! Great team!

By far the greatest company you could work with when needing a home. Everyone is knowledgeable,…read moreable to answer questions in a timely manner. Each employee that I dealt with was caring and compassionate to my individual needs. I would highly recommend VLC for any home loan needs. -Mike Scott

Hands down the worst experience I have had in over 6 years of real estate investing and being a…read moreRealtor. Matt is the poster child for the typical millennial, in that texting and emojis take precedent over picking up the phone and calling your client or my case, I was the Realtor. No sense of urgency, complete lack of communication, missed deadlines that were agreed upon, 2 missed closings, and finally the CEO of this branch decided that asking for an update was too much since Matt went missing in action last week as of Tuesday and then used Thanksgiving as an excuse for not returning calls/emails/texts etc. but did not bother to put the effort in to include an out of office reminder so the title company, listing agent, or myself knew he would not be responding. My clients were "fired" because we expected transparency, communication, and honesty from a lender and asking for an update was too much. Never have I experienced such unprofessionalism from a lender. If I could add a negative star, I would.

From the owner: Total Lending Concepts is a local mortgage banker with a focus on service. We are licensed in MO,…read moreTX, CO and OK. We offer Conventional, FHA, USDA, VA and Construction loans.

I called this company accidentally; I was trying to find out the balance to a gift card I had…read morereceived. The phone rang and a person picked up the phone. He told me his name was Adam Garrett. I said "Hi, is this Ulta?" He replied that it was. I read off my gift card information and soon found out he was lying. I called him back to confront him and he kept going on as a joke, pretending to be Ulta. I found out where Adam Garrett works with a quick google search, I called the company itself. I spoke to a women who pretended to transfer me and just hung up on me. I CANNOT believe this is a mortgage company and is collecting people personal information, meanwhile they can't simply tell a person when they've dialed the wrong number. So absolutely embarrassing for the company. I'd never trust this company with any of my personal information. This company is a joke obviously.

5 Stars! Phenomenal experience from beginning to end. I initially inquired online seeking…read moreinformation on my VA home loan benefits and got a call right away. They educated me in a way I could understand, didn't pressure me, but rather guided me through each step. I am so happy with how everything went and I will absolutely recommend them to others!