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We find ways to say yes when others say no.

As an education based mortgage company we strive to offer you the ideal financing solution for your mortgage needs.

Welcome to Lending Concepts

With over 50 years in the mortgage industry we’ve seen just about everything. So whether you’re considering a purchase or refinance, or you’re a realtor looking for a seasoned mortgage company with strong pre-approval’s, we’re your advocate!

Meet The Team

Backed By Great People,
100% Customer Focused.

The most important asset to our company, is our people. Our team was built with you as our focus.

Paige Solberg Headshot

Paige Solberg

Senior Loan Officer
NMLS#: 309434
DRE#: 01267099
About Me
Chris Merill Headshot

Chris Merrill

Loan Officer
NMLS#: 1784500
DRE#: 02097799
About Me
Andrey Dimistrashuk

Andrey Dimistrashuk

Loan Officer
NMLS#: 1583893
DRE#: 02070049
About Me
Client Resources

Surf our website to learn about our company, see our loan programs, and request a free consultation.

Mortgage Calculator
Look at different scenarios with our calculators.
Learning Center
Read through the articles to help you learn more about the mortgage process.
Loan Programs
Familiarize yourself with some of the loan programs we offer.
Quote Request
Request a no obligation quote with no credit check required.
No Obligation.
No Credit Check.

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

All-in-One Solution

Our Loan Process...


A loan pre-approval sets you up for a smooth home buying experience.


Start working with a real estate agent and viewing homes.


A few documents are needed to get a loan file through underwriting.


Assemble all the necessary paperwork and details for the underwriter.


They closely evaluate all the documentation in the loan package.


Documents are drawn and sent to the title company for closing.

Our clients are the foundation of our success.

Read Our Reviews

Client reviews from around the internet.

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