Home Ownership

Owner-Occupied Rehab program allows a homeowner in need of repairs due to structural integrity, health, and safety as priorities to make such repairs. This would also include home modifications for the elderly or handicapped household members.
Lending and Finance
Total Concept can assist with funding for all the above projects. Income levels and credit worthiness are criteria used for approval. We are able to offer very low interest rates funded through TCHCDC or other resources. We can even assist with down-payment and closing costs when purchasing a new home.
Small businesses are able to access funds through our Micro-Enterprise Business Loan program. These are small loans, typically no more than $10,000 for a variety of purposes.
We offer free Home Buyer Education Classes, which are open to the public. These seminars also satisfy the required homebuyers obtaining financing through CHFA, HUD, Rural Development, or TCHCDC. Class topics include establishing good or restoring unsatisfactory credit, managing your money with budgeting for success, qualifying for a home loan, working with lenders and realtors and keeping your home in good condition. We provide individualized financial fitness counseling that is tailored to each family's unique situation and needs.
Through the Foreclosure Counseling program, we assist homeowners throughout the state of Colorado who may be having problems making their mortgage payments or are already behind. We provide the resources needed to get things back on track through free advice and support. We also assist in working with the lender to get homeowners current and help them stay that way! 
 Total Concept also has apartments throughout the Arkansas Valley to include Las Animas, La junta, and Salida. Our 1, 2, 3, and 4 bedroom apartments all offer a wide range of amenities. Rent is based on income with some units specifically earmarked for elderly or disabled individuals. All units are well maintained with some being new or newly remodeled. We are well versed in housing compliance issues ranging from HUD to USDA Rural Development to Low Income Housing Tax Credit Properties (LIHTC). We also work closely with the Colorado Housing Finance Authority (CHFA), Department of Local Affairs (DOLA), and Division of Housing (DOH).
Total Concept manages the Las Animas/Bent County Housing Authority. This public entity, formed in 1966, was reorganized in 1973, providing services in the town of Las Animas and Bent County. TCHCDC manages the Housing Choices Voucher Program (Section 8), two low-income housing projects, and all staff for operations.
We own and/or manage a number of apartment complexes. As of 2013, we are responsible for 239 units comprising 11 projects, and 124 Section 8 Housing Choice Vouchers for the Las Animas/ Bent County Housing Authority. Our management approach focuses on four primary areas: Tenant Management, Fiscal Management, Facilities Management, and Compliance & Regulatory Management. Utilizing a team-approach to management, we provide the leadership necessary for a successful project. We are also able to draw from our affiliation with the Neighborworks of America through their resources and peer organization resources.
 TCHCDC provides services to municipalities and other non-profit organizations through our Community Development Efforts. We have assisted and managed a number of projects including Historical Renovations, ADA projects, Downtown Renovation, Infrastructure projects, and Flood Relocation. We have also acted as the sponsoring entity for other agencies in pursuing grand funds and subsequent management.