We used qualified Home Loans for a very complex refinance. Ed helped us get this done. I tried to shop this to make sure that we were getting the best deal possible. I couldn't even find anybody that came close to what they offered us . I highly recommend this company and working with Ed Personius in particular. We will definitely use him again, considering we do real estate investing. Very happy clients!!! read more

I worked with Mike Pacheco i couldnt have asked for anyone better. He made everything so smooth any questions we had he was fast to respond.Thank you and plan on working with him me next refinance one rate drop again! read more

I worked with Mike Pacheco in purchasing my very first property--, a sweet little cabin in San Bernardino Mts.. I am small potatoes, but Mike treated me as if I was making a million-dollar deal. He patiently walked me through every step - from the pre-approval - to the closing. He was forthright about the possible closing fees and expenses that come up --giving me a realistic idea so I would not be surprised at the end of the process. I appreciated that! He responded to texts/calls or emails same day - He regularly kept me apprised on the loan progress, the appraisal, and anything else that I needed to know or do Honestly I can't say enough about his professionalism and high quality of efficiency that made this process seem so easy. And all the above was done with a thoughtful, caring manner. I don't surrender my trust easily -- but....when you work with Mike, you'll see what I mean read more

I worked with Ed Personius on a refi for an investment property and he was amazing! I ran into some issues during the process that were outside of my control but Ed and his team made things happen. He's knowledgeable, helpful , genuine and was very caring throughout the entire process. When I'm ready for next purchase I'll be reaching out to Ed. He won't steer you wrong. read more

I am using Karl Plavetzky' services 2nd time in the past 1.5 years and I am very happy with his professionalism, responsiveness, honesty and hard work. I will use him again for sure and I have been referring my friends to him as well. read more

Mike and his team are exemplary. We have our purchased a home and refinanced twice with Mike over the years and he, by far, surpasses expectations. He and his team are professional and efficient and make sure that the entire process is quick and efficient. I highly recommend this lender! read more

5 stars! Just closed on a new conventional loan purchase with Alan Kunski. We were referred to Alan by our agent, and we are so glad we we got to work with Alan and Qualified Home Loans. This is our first purchase and he made sure we were taken cared. Alan was able to get us competitive rates and fees. This process has been easy and the least stressful part of home buying. Thank you to Alan and his team for working tirelessly for us. read more

LUZ VEGA with Qualified Home Loans is just the best. Luz took an impossible mess of an escrow and not only straightened everything out, but also got me the best rate and costs. I'm so impressed with Luz's tenacity and professionalism, but her knowledge of the mortgage business is stellar. I will buy another house and when I do I will call Luz. I could not ask for a better agent. read more

"I have worked with Mike Pacheco on a number of occasions (5 times) and he is a true professional. I am a real estate investor with a 1099 tax return. If anyone can relate you know what I am talking about. He takes the time to ensure that his clients understand the entire process of closing on a mortgage and is always willing to explain things until the client is comfortable. Patient, kind and understanding - Mike is exactly the type of person you want working on your behalf. I would never work with anyone else!" I highly recommend Mike Pacheco. read more

Mike and his team are efficient and got my home loan approved in 2 weeks and we closed the loan in 3 weeks! I'm a real estate broker and have worked with several lenders. Mike and his team by far are the most responsible and efficient I've worked with to date! I highly recommend Mike Pacheco with any purchase or refinance on your home loan! read more

I am a first-time home buyer who found my dream home in Canyon Country in February 12, 2018 , and exactly a month later, I officially became the owner of the property. Initially, I got referred to the QUALIFIED HOME LOANS, specially my agent. LUZ VEGA, always got back to me within minutes and answered to all my questions in a professional manner. They were excellent in providing me the best mortgage option and explained the timeline of the whole process in detail, which greatly helped me to get prepared for the next steps. I am very impressed and amazed by their unbeatable work of my agent Luz Vega, accuracy of all paper works, and their friendly responses to every single question that I had. It has been my great pleasure worked with the agent LUZ VEGA and the best team members, and I am so glad that my first-time home buying experience was so smooth and pleasant read more

Alan K. handled my refinance. He was professional, responsive, helpful, and expertly help navigate me through the process to get an very fast qualification for my loan. I would highly recommend him. read more

this dude mike pacheco is a prick. i called him inquiring about refinance and he assured me personal attention and he would take care of me. i start getting calls from his assistants to get info from me. what happen to the "personal attention" mike. he called me and called me and when i called him back and told him i am willing to work with him and him only his exact words were "we are thru here!" here's what i have to say about that well mike as far as im concerned you are done here too! i will make sure that all my freinds and family to never consider using you! you are only as good as your last deal. youre too busy to take care of someone well ill let the yelp world know you are also to busy for them as well. i was a mortgage broker for many years and know that giving personal assistance is key to this business. i had assistants too but i was the point of contact all times thats why i was successful at what i did. my assistants processed when they needed something they came to me. thats punk lazy shit to pass it off to someone else to do what you should be doing "personal attention" hey bud bet you didnt think i would go this far huh! yelp world do not use this guy or you will get passed around to his staff of 15 like a whore. read more

We were referred to Alan Kunski, Sr Loan Broker, by a great friend. Alan was by far the most efficient, friendly and most of all, patient person we have ever worked with on our home re-fi. We have known of him for years, so now we are sorry we didn't reach out to him sooner. Thank you again Alan for your hard work and for finding us a great rate read more

I purchased a vacation home at the end of July 2020. Mike Pacheco helped me with getting the home loan. I wrote a review in August and gave Mike and his team deservedly a 5-star rating. In October, I needed to refinance my primary residence. Naturally, I turned to a trusted source, Mike Pacheco. He did not disappoint! He told me what he could do - rate/cost. I did my homework and again found what he offered was the most competitive. When the dust settled and the loan funded, Mike got me exactly what he had promised. He delivered again. It is so refreshing to do business with someone who has character and integrity ... someone who will get the job done and has your interest at heart. Life's a lot easier when you're surrounded by competent and trustworthy people. Mike is my guy for home loans and refinances. I'm telling all my families and friends. read more

I want to thank Dennis West for his kind and generous help all through my Home Purchase Process. It was very difficult for him to get me a good loan with all of my Credit Card Debt but he got me 2.87%! I was so thrilled. And he worked with me on getting all my documents to him on time; I was having trouble with the Portals and sending my documents and he made it so easy for me just accepting photos from my I-Phone. He really understood the stress I was under to Buy this House because I had to sell mine first that I was living in. And I was having so many problems with the Buyer I was under severe emotional stress and Dennis was so calming and helpful and walked me through every step. I recommend Qualified Home Loans (QHL) for anyone because they will take the time to help you. Other Mortgage Brokers wouldn't deal with me because I couldn't understand their Software and were impatient and just moved on to other customers but QHL really took the time to explain everything about my Home Purchase Process. Thank you Dennis! read more

Dennis West is awesome. Easy to work with, very informative. Spent a whole lot of time with me in understanding the process. Very knowledgable and trustworthy. I definitely recommend! read more

Wonderful to work with, completely painless process! Ask for Tom Hodges.

Simply put, this particular team at Qualified Home Loans saved my financial/residential life .. Most home loan applications run into all sorts of problems; that seems to be an industry given. ... BUT ... Due to various complicated reasons: two legal homes on my lot, newly improved credit ratings, doubly self employed via being a landlord and a professional musician, and an overdue interest only private mortgage; my refi, from the very start, was destined to be a tour thru the most torturous chambers of hell .. Armed with a decent FICO score, banked back-up savings, etc, i was beaten to an emotional pulp by 3 mortgage brokers/companies ... the last one lead me on a positive run for two weeks then the 'new program' was abruptly cancelled .. PHEW!! .. Once more my fingers did the screen search walking and appeared Qualified Home Loans ... At 6PM Darren Brown answered, i was in their office the next day; as we discussed my particulars; Mike Pacheco entered the fray .. Then Darren & Mike went at it, crunching numbers for about 20 minutes ... they turned to me with an assured "CAN DO" but i would have to do lots of footwork since they knew the shape of things to come ... for next next four months i dealt with the exacting tasks they assigned, it was a full-time job ... refi APPROVED !!! ... next phase, CLOSING; enter the Closing Wizard Charles Parnusis whose exacting talents ought to evolve into a new gland which spews a substance that melts away CLOSING CONDITIONS; by utilizing all those assigned tasks i previously completed and injecting many of Charles' own formulae: COMPLETION !!! ... Indeed, during the process, there were some scary/questionable moments: Darren stayed tight with me all the way and was way calm as his school of experience came into play coaching me away from any negative scenarios ... The clerical support, Luz and Selket, was always ready to assist, be it a scan, a search, Notary, etc. any docs to lighten my burdens without making me feel like i was a burden .... During the past 11 years, as I was tied into that private mortgage, there was a constant high degree of stress and uncertainty; I am so happy now that whatever tumors started to grow, have now disappeared from elation !! ... QUALIFIED HOME LOANS IS SUBLIME, or as Duke Ellington would say, they're: "BEYOND CATEGORY" read more