What our clients say
Real reviews from verified Google clients. Showing our latest 30 five-star reviews.
Teri Trifiletti
Oct 2026
Evan, Kaylee and the entire Quality Lending Team was a pleasure to work with. Their professionalism and attention to detail is exemplary. They make the process of lending as smooth as possible and ensure everyone stays informed during the entire process. I highly recommend Total Quality Lending and will use them again.
Stephanie Northcutt
Oct 2026
This was our first experience with TQL and working with Aaron Vasquez. We will definitely be return customers. Aaron made this process incredibly easy and user friendly. We do not have enough good things to say! Thank you for providing a stress free process & helping build our dream!
Gina Favre
Oct 2026
Had a fantastic experience with Total Quality Lending from start to finish. Zach and his entire team were so wonderful, kind and easy to deal with. I had been kind of dreading the process and all of the paperwork it involves, but they made everything so easy and smooth. Cannot recommend them highly enough.
Kyla Garibaldi
Oct 2026
Total Quality Lending exceeded every expectation we had as first-time homebuyers. Their communication was flawless throughout the entire process, and thanks to them we were able to close on our home in under 15 days. We started the process feeling very intimidated as first-time buyers in an ultra-competitive market, but now we are homeowners thanks to their exceptional work! Couldn't recommend them enough.
United Aviator
Oct 2026
Aaron Beck and his team at Total Quality Lending did an outstanding job helping me finance my property purchase. Aaron kept pace with my energy and many questions, responded promptly, and was proactive throughout the process. His knowledge, experience, and personal attention made a tremendous difference. I truly felt I had the “A” team working on my behalf. Thank you, Aaron and team—I highly recommend them!
Logan Felix
Oct 2026
One of the best places if you are looking for a mortgage, they were super easy to work with definitely will use them again
Leon Burks
Oct 2026
I had a great experience with TQL and Evan Stinnett was very prompt, professional, and responsive. He completed my closing prior to the end of the month as committed. I recommend them for your lending needs.
Dung Nguyen
Oct 2026
They moved quick and were easy to communicate. Minor issue with rate change last minute but still a good rate overall.
Rick Austinson
Oct 2026
Total Quality Lending came to me highly recommended. We used the company both for our original home purchase and for a recent refi. They have become my go to and. I cannot recommend the company enough. Dedicated and a really honest, thorough bunch. I'll keep on using them and so should you.
Stephen DeShazo
Oct 2026
TQL provided an efficient, painless, professional closing experience. Everyone answered emails and phone calls quickly and were responsive on all tasks.
Kobus Engelbrecht
Oct 2026
Vince Reimer of Total Quality Lending in Carmel deserves the highest praise. Where many lenders just see you as another number, Vince will see you as an individual that needs help in an area which he has expertise. He and the other staff of Total Quality Lending gives service, support and guidance all the way
colin campbell
Oct 2026
Aaron Vasquez and TQM were fantastic to work with - streamlined the loan process. This is my 10th investment property and I would not use any other broker but Aaron for my property financing.
Henry Ellis
Oct 2026
I’ve worked with many lending companies. My best experience has been with Total Quality Financial. They are very knowledgeable and really help get the numbers correct.
Haroon abid
Oct 2026
Aaron and his team were absolutely amazing to work together. They were very responsive and helpful with all my questions. Definitely using them again in the future!!
Rafael Vasquez
Oct 2026
Total quantity lending help me get qualified, took the time to explain several times what would work for my current situation. I am looking forward to refinancing and possibly buying another rental! They help a few times already! Thanx Again Rafael Vasquez Jr
Michael Mathews
Oct 2026
If you want to work with the best and get the best mortgage then you want to work with Hunter at TQL! Hunter was able to lock in a great rate and extended when the Closing was delayed. He is my Superman ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
Wendy Katsbulas
Oct 2026
Ethan and Katie with Total Quality Lending were great! I was able to close on my first STR in Estes Park, CO at a low DSCR hybrid rate fast. They were both available at anytime to answer all my questions. I look forward to working with them on my future STRs. I AM ON A WINNING STREAK!
Deyni Mejia
Sep 2026
Hunter managed to get me a very complicated loan through the finish line. He was the only one of 10 lenders who could.
Willy Girard
Sep 2026
Had a great experience working with Total Quality Lending. Seth and Katie were both extremely helpful, responsive, and easy to work with throughout the entire process. They kept everything moving smoothly and were always available when I had questions. I really appreciate all their help and would definitely recommend Total Quality Lending to anyone looking for financing.
Shyam Ramachandran
Sep 2026
It was quite easy to do business with TQL. All was done on their website. We were able to obtain the funds in a timely fashion. Repayment process was easy to setup and everything was handled smoothly and efficiently. Will do business again with TQL should the need arises.
Nick Ireland
Sep 2026
Ben and his team are extremely knowledgeable and they work fast. Always a great experience for myself and my clients
Sebastian Mendoza
Sep 2026
Total Quality Landen has been an amazing help and truly a joy to work with. Always picked up my calls and provided great detail in answering any questions I had. Ben has been a pleasure to work with.
Murline Fields
Sep 2026
Total Quality Lending process is quick, and they are keep you informed throughout the process. I highly recommend them.
Zach Steck
Jul 2022
Extremely pleased with my home loan experience through TQL. Chris and his team were very much on top of anything and everything needed to ensure a very fast closing date. Was able to close on the new house in 2 weeks! The communication from Lisa and Brian was top notch and had zero issues getting in touch with them for questions and concerns. My realtor also raved about the communication between this lender and himself. Definitely a 5-star experience for me!
Ursula Robinson
Sep 2026
Great and easy process. Would definitely recommend TQL !
Thomas Perkins
Sep 2026
I went online looking for a highly rated lender that did DSCR loans and found Total Quality Lending. Ethan and team worked efficiently to complete my loan and we worked around some nuances with my property which made it a little harder to finance. All in all, the process was quick, easy, and the fees are reasonable. I will definitely use them again in the future if the need arises. 👍🏻
Mark Howard
Sep 2026
Hunter provided exceptional support in the funding of my first STR loan. He was very responsive and ensured that all issues and questions were rapidly resolved. The loan was delivered on time and at a lower cost than the original good faith estimate. I would highly recommend him.
Olivia Laos-Stutz
Sep 2026
Hunter and his team were top notch! Answered promptly, knowledgeable, and overall a pleasure to work with. He’s a great choice when considering your lending options. Good work ethic is sometimes hard to come by these days, but Hunter did not disappoint. Looking forward to the next deal we have together.
Leeling Chew
Sep 2026
5/5 Stars — Lightning fast, incredible rates, and closed in under 30 days! I found Total Quality Lending through the BiggerPockets community when we were purchasing our house in March 2025, and I could not be happier that I did. Like most homebuyers, we reached out to several lenders at the same time. Total Quality Lending responded with lightning speed compared to everyone else, qualifying us the very next day after we submitted our initial documents. Right off the bat, they gave us the best rate without any runaround. Once we went under contract, they promised a 30-day close—and they actually delivered! Even when a little hiccup popped up during the process, their team navigated the kinks seamlessly and stayed on track. My real estate agent even commented that in all her years of practice, she had never seen a lender close a loan that fast. I am tremendously grateful for their service and communication. Total Quality Lending has earned our business for life, and I highly recommend them to anyone looking for a seamless mortgage experience!
Kelly Siler
Sep 2026
Ben Stanley goes above and beyond. He always takes your calls, he goes the extra mile to help you, and he is assertive to get your needs met.
Reviews by Loan Product
Reviews tell you a vendor’s character. Programs tell you which vendor to call. Explore each TQL loan product to see which fits your scenario.
DSCR Loans (Investor)
Real estate investors compare DSCR lenders on close speed, willingness to underwrite short-term rental income, and how they handle LLC vesting. See why borrowers choose Total Quality Lending for investor rentals.
Read the DSCR guide →Best DSCR Lender
Investors compare DSCR lenders on close speed, review depth, LTV grid, and willingness to underwrite short-term rental, foreign-national, and first-time investor files. See how the leading DSCR lenders stack up side by side.
See lender comparison →Foreign National DSCR
Non-U.S. citizens and visa holders need a lender that knows apostilled documents, foreign credit references, and No-Credit-Score paths. TQL writes Foreign National DSCR with U.S.-credit and No-Credit-Score qualification paths.
Explore foreign national DSCR →Multi-Unit DSCR (5–8 Units)
Most DSCR lenders cap at 4 units. TQL underwrites 5–8 unit residential properties at investor LTV — the segment many lenders push to commercial.
Explore multi-unit DSCR →Prime Time Loans
Prime Time is TQL's umbrella non-QM program with 7 income-doc paths under one roof — full-doc, personal and business bank statements, P&L only, written VOE, 1099, and asset utilization. One credit pull, one underwriter, one rate sheet.
Explore Prime Time →Bank Statement Loans
Self-employed borrowers compare alt-doc menu depth, 12 vs 24 month options, and expense factors on business statements. Prime Time offers all four under one program.
Explore bank statement loans →Self-Employed Mortgage
Direct lender with six alt-doc paths under one Prime Time umbrella — built around how self-employed borrowers actually earn instead of forcing them into a W-2 template.
Explore self-employed loans →1099 Mortgage
Contractors, gig workers, and commission earners qualify on 1099 income — no W-2 required. Same Prime Time pricing tiers and credit bands as the bank-statement paths.
Explore 1099 mortgage →P&L Only Mortgage
Business owners qualify on a CPA-signed profit & loss statement — no bank-statement scrubbing required. Useful when business income is clean on the books but messy in deposits.
Explore P&L Only loans →Asset Utilization Mortgage
Borrowers with substantial liquid assets but unconventional income qualify on assets alone — no employment income required. Common for retirees and high-net-worth borrowers.
Explore asset utilization →No Tax Return Mortgage
DSCR, bank statement, P&L Only, and asset utilization paths — all skip tax returns entirely. See which no-tax-return option fits your income profile.
Explore no-tax-return options →Non-QM Loans
The full non-QM menu under one direct lender — investor (DSCR), self-employed (Prime Time), 5–8 unit (Multi-Unit DSCR), and non-citizen (Foreign National DSCR).
Explore non-QM loans →Conventional Loans
Standard W-2 borrowers and primary-residence buyers — TQL writes conventional alongside its non-QM specialty so borrowers can shop both under one roof.
Explore conventional loans →Best Bank Statement Lenders 2026
A shortlist of the leading bank-statement mortgage lenders for self-employed borrowers in 2026 — compared on doc requirements, expense factors, credit bands, and turn times.
Read the 2026 list →Best Non-QM Lenders 2026
A broader comparison of non-QM lenders covering DSCR, bank statement, 1099, P&L only, and asset utilization programs — and how TQL fits across all of them as a direct lender.
Read the 2026 list →
About these reviews
These are verified Google reviews left by clients of Total Quality Lending (TQL). Reviews are pulled directly from the Google Business profile and reflect real transactions — no curation, no cherry-picking. Star ratings on this page render from Google’s API and update automatically.
Total Quality Lending is a direct DSCR and non-QM mortgage lender. NMLS #1933377, Total Quality Financial, Inc. DBA Total Quality Lending, California DFPI License No 60DBO-108369. We are not affiliated with Total Quality Logistics, the freight brokerage company.
Want to leave a review after we close your loan? You’ll get a Google review link in your closing email — it’s how we keep our rating honest.