In no event will Total Quality Lending be liable for any loss or damage including and without limitation to indirect or consequential loss or damage, or any loss or damage whatsoever arising out of, or in connection with, the use of this website. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals subject to underwriting guidelines. Not all applicants will qualify. Total Quality Lending is a registered DBA of Western Express Lending NMLS # 1457930. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Western Express Lending, NMLS# 1457930. Phone (949)-234-6279. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Equal Housing Lender. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License No 41DBO-93396. Loans made or arranged pursuant to a California Financing Law License No 60DBO-121591.