Columbia Mortgage | Total Lending Concepts | Home Loans
Our partners have been featured on CNN, NBC, ABC and Bloomberg
Columbia, MO   833-TLC-LOAN

About Us

Everything you need to know about our Company

Why choose Us.

We offer a unique experience to the home loan process. Our loan officers are available anytime you need them throughout the loan process. We help coached our customers through the maze of mortgage financing. Buying a home should be simple and stress-free. Let us help make it easy for you.

What we Do.

Our team of professionals is here to assist you in every step of the loan process. We have years of experience within the mortgage industry and the expertise to serve you a cost-effective loan product that best fits your needs.

Ross Kulik

Ross Kulik

VP of Missouri Market
NMLS#559107

I grew up in St. Louis but call Columbia, MO home. I am married with 2 wonderful daughters and 2 sweet dogs. I enjoy spending time with my family hiking and biking on the many trails and parks in and around my hometown. I have been in the mortgage lending profession for 21 years and pride myself on customer service and having the ability to get the tough deals to the finish line. Let my 20+ years of mortgage expertise help you get into your dream home. I look forward to working with you.

David Kling

David Kling

Senior Loan Officer
NMLS#1223549

I love to stay active in the community so I can be a part of making a positive difference. I believe that carries over to my career where I get the chance to help make some person or family’s dream come true when they finally get to move into their new home. My personal goal is to make sure my borrowers are happy, get a great deal with their home financing, and receive the high level of service they deserve. I make sure to make myself available for my borrowers and to have quick responses to any questions or feedback they need. Currently, I have been fortunate to help over 300 families get into a new home and look forward to helping out many more.

Andrew Roberts

Andrew Roberts

Senior Loan Officer
NMLS#1198580

Andrew is a senior Loan Officer with TLC and is original from the Mid-Missouri area. Having been in the mortgage industry for over three years he has experience in handling a multitude of lending situations. Andrew takes pride in helping his borrowers achieve the American dream by owning their own home. Away from the office, Andrew is an avid weightlifter and family man. He loves to spend time working on his father’s motorcycles and playing with his dogs. A Missouri Tiger enthusiast, you’ll find Andrew supporting his Tigers throughout the year. Please let Andrew know how he can help you get into a new home today.

Matt Costanza

Lance Hainen

Senior Loan Officer
NMLS#910445

Lance was born and raised in Mid-Missouri. He served 12+ years in the United States Armed Forces, and the past 7+ years in the mortgage and lending industry. In addition to be being and huge Mizzou Tiger fan, Lance is an avid outdoorsman and a very active member of his community. With Lance’s experience, knowledge and customer service skills, he will make your home financing experience an easy and exciting one.

Matt Costanza

Matt Costanza

Senior Loan Officer
NMLS#1630644

I grew up in Saint Charles Missouri, but I have been calling Columbia my home for the past 6 years. I attended the University of Missouri graduating with a degree in Personal Financial Planning. I am looking forward to helping you and your family find a wonderful home in this great city. Go Tigers!

Dakotah McQuay

Dakotah McQuay

Senior Loan Officer
NMLS#1224189

I am a licensed Mortgage Loan Officer in Columbia, Missouri. My goal is to deliver an excellent customer service experience by striving to BEAT your best offer!

Matt Costanza

Paul James

Senior Loan Officer
NMLS#1718319

I am a licensed Mortgage Loan Officer located in St. Louis, Missouri. My goal is to deliver an excellent customer service experience by striving to BEAT your best offer!

Ready to start the home loan process? Apply Now