Our Story
We started as originators just like you.
We worked with every top Non-QM lender in the country. Each one had strengths — but each also came with frustrating variations that killed efficiency:
- One lender would do STRs but not if the property was rural.
- Another had the best pricing, but wouldn't allow new appraised value cash-out in the first month.
- Others allowed cash-out, but not if the property was vacant.
After documenting every pain point and nuance, we realized: we can't be the only ones struggling with this.
So we built our own guidelines — pulling the best from each lender and cutting out the roadblocks. We created a division to become the lender who could do it all.
Then we decided to niche down and become the best at helping Business Owners & Real Estate Investors grow their portfolios.
Now, we're opening that up to broker partners — so you don't have to fight the same battles we did.
Wholesale Lending
Place the investor deals your retail desk can't
TQL's wholesale channel is built exclusively around non-owner-occupied investment property. Bring the scenario — we'll structure it.
- Investor-only programs: Hybrid, DSCR, Foreign National, Multi-Family 5–8
- Scenarios retail desks decline — LLCs, entities, no-tax-return files
- Direct access to investment-property underwriting
- Fast scenario answers so you never sit on a live deal
Broker FAQ
Frequently asked questions
Who can become a TQL Wholesale partner?
Licensed mortgage brokers in good standing with the appropriate state and federal licenses. Most partners are approved in as fast as 24 hours after submitting the broker package.
What programs does TQL Wholesale offer?
Investor-only programs for non-owner-occupied investment property: the Hybrid Investor Loan, DSCR, Foreign National, and Multi-Family 5–8. The complete program list and current guidelines live in the Broker Hub.
Where is TQL headquartered?
TQL Wholesale is operated by Total Quality Lending, headquartered in Carmel, IN. NMLS #1933377. Equal Housing Lender.
How fast are pricing and scenario decisions?
Initial scenario reviews come back within 24 hours and most well-structured files clear to close in roughly 15 days. Live pricing and eligibility tooling lives inside the Broker Hub.
Have a scenario in hand?
Talk to the wholesale team and get an answer while the deal is still live.
