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Qualified Home Loans

Mortgage Programs

Top Lender in California

QHL’s founder, Mike Pacheco, is featured in Top Agent Magazine as a Top Lender in California. Mike places particular emphasis on expertise, making sure he and his team is always knowledgeable regarding the latest opportunities and action in the market. Tap HERE to get to know Mike and read about his formula for success.

Understanding the Difference Between Jumbo vs. Conforming Loans

If you’ve been home shopping in a higher-cost housing market, then you may have been presented with an option for a jumbo loan—even if the homes you’re looking at aren’t jumbo-sized. That’s because the “jumbo” in jumbo loans refers to the size of the loan, not the size of the property, and it’s something you …

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Know How Your Numbers Work When Applying for a Mortgage

When it comes to getting a lender’s approval to buy or refinance a home, there are 3 key numbers that affect your ability to qualify for a mortgage and how much it will cost you — your credit score, debt-to-income ratio, and loan-to-value ratio. Here’s a rundown of what they are and why they matter. Credit Score You’re …

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