Total Quality Lending Reviews
4.9 Stars Across 500+ Google Reviews
4.9/ 5on Google (opens in a new tab)Verified Google reviews from real estate investors, self-employed borrowers, and foreign nationals across 46 states. Closing speed and communication are the two phrases that come up most often.
What our clients say
Real reviews from verified Google clients. Showing our latest 30 five-star reviews.
Nancy Emerson
Sep 2026
Evan and Kylee are awesome to work with and keep you on track every step of the way. Highly recommend them
Sara Heyl
Sep 2026
We had the pleasure of working with Dominick and Katie, and it was a wonderful experience from start to finish. They are both knowledgeable, professional, and incredibly kind. Their communication, attention to detail, and commitment to making the transaction go smoothly truly stood out. As a title company, we appreciate working with lenders who are responsive, organized, and collaborative, and Dominick and Katie exemplify all of these qualities. We look forward to working with them again and highly recommend them to anyone looking for an experienced and dependable lending team.
Joon-Hui Yoon
Sep 2026
I had a great experience working with my mortgage lender and would highly recommend them. They made the entire process smooth, fast, and stress-free. Everything was handled accurately and on time, communication was always clear, and the fees were very reasonable. I especially appreciated their flexibility and the variety of loan products they were able to offer. They took the time to understand what I was trying to accomplish and helped find the right financing solution for my situation. Another big plus was their network of professionals and related services. Since I was purchasing the property to start a short-term rental business, having access to knowledgeable and reliable people in different areas made the whole process much easier. Overall, they were responsive, knowledgeable, flexible, and dependable throughout the entire process. I would definitely work with them again on my next investment property.
Greg Gibson
Sep 2026
Ben was instrumental in helping us secure our investment home, and we truly could not have asked for a better person to have in our corner throughout the process. From the very beginning, he consistently went above and beyond to make sure everything was handled smoothly and that we had what we needed. Ben was always responsive, dependable, and willing to step in whenever something came up. His dedication, attention to detail, and genuine commitment to helping us made a huge difference, and we are incredibly grateful for everything he did to help make our investment a reality.
Kathy Brown
Aug 2026
I had an outstanding experience working with Adam and Katie at Total Quality Lending during the purchase of my first investment property. From start to finish, they were professional, knowledgeable, and incredibly responsive. They were quick to provide answers and guidance. I was expecting a stressful transaction and they performed amazingly. Their part was flawless. Issues with the seller held things up but they stayed on top of all of it. Thank you for a great experience. I've already recommended TQL and my team and will continue to do so.
Diana Tanious
Aug 2026
I had an excellent experience with Miles and Katie from Total Quality Lending. From start to finish, Miles was incredibly responsive, professional, and an excellent communicator. He went above and beyond to make sure I understood my options and worked hard to ensure I received the best possible deal. What impressed me most was how proactive and attentive he was throughout the entire process. He made what could have been a stressful experience feel smooth and straightforward. Thanks to his dedication and efficiency, I was able to close on my DSCR loan in less than 20 days! I highly recommend Miles and Total Quality Lending to anyone looking for a knowledgeable, trustworthy, and dedicated lending team. I couldn't have asked for a better experience!
Jason Taliaferro
Aug 2026
I have closed many deals and TQL is one of the best lenders I have worked with. Closed quickly on a tough transaction. These guys are professionals. Vince was awesome to work with.
Carol Haas
Aug 2026
The total quality lending team, especially Adam Jaeger, are by far the best lender I have worked with thus far as a real estate investor. Super helpful and responsive from start to finish. I could not recommend them enough. Thank you for your hard work and making it happen!
m h
Aug 2026
I would highly recommend Miles for your next mortgage rep. He had excellent attention to detail every step of the process, made sure to address every issue quickly and efficiently.
Taylor Hassel
Aug 2026
We had an incredibly complex deal to close in Gulf Shores, and Miles is the reason we were able to make it happen. We had spoken with several other lenders who ultimately told us they couldn’t close the deal, so we had to make a last-minute change and go with Total Quality Lending. From the very beginning, Miles was incredible to work with. The listing agent even told us, “He only knows a handful of agents that can close those DSCR loans, and they are all local and usually require a huge down payment.” That really put into perspective how difficult this loan was. Miles went above and beyond throughout the entire process. He answered every text and call, kept us updated, worked directly with an HOA that was extremely difficult to communicate with, and never made us feel like we were on our own—even when things got complicated. Despite all of the moving pieces and challenges, Miles stayed on top of everything and ultimately got us to the closing table. We truly don’t think this deal would have happened without him. If you have a complicated loan or a deal that other lenders have told you can’t be done, I would absolutely recommend Miles and Total Quality Lending. We are incredibly grateful for everything he did to get this across the finish line!
Joel Labha
Aug 2026
Working with Aaron was great. Smooth transaction despite what other lenders typically consider challenging. From the competitive rates, great communication and streamlined processes, everything was exceptional. Would not hesitate to work with Aaron and the team at TQL again.
Scott Latta
Aug 2026
I recently closed on a property in the Indianapolis area with Total Quality Lending, and I couldn't be happier with the experience. From start to finish, the team demonstrated top-tier service, diligence, and incredible attention to detail. A special shoutout to Evan Stinnett, Client Success Coordinator, and Katie Buckley, Loan Success Manager. Their communication and follow-up were exceptional—they kept everything moving smoothly, answered every question promptly, and handled the process with utmost courtesy and care. Closing on a home can be stressful, but Evan and Katie made it feel seamless. Highly recommend Total Quality Lending to anyone looking for a smooth, reliable mortgage process.
Heather LaMore
Aug 2026
Aaron did a great job during the process to keep us up to date on the loan process and responded to any questions we had quickly!
Alexis Layton
Aug 2026
The team Katie, Seth, and Dominick helped get funding fast. Very pleased with the experience.
Jon Kindred Group
Aug 2026
Total Quality Lending did an amazing job on a DSCR loan. Taylor and Evan were great to work with. Super fast and efficient through the entire process.
Juan Carlos Escobar
Aug 2026
Ethan and his team did a great job on obtaining my DSCR loan!
Stephanie McBride
Aug 2026
I had a great experience working with Caleb at TQL. From the beginning, he was incredibly organized and did an excellent job of clearly laying out the different loan options available to me so I could understand the pros and cons and make an informed decision for our refinance. What really stood out was Caleb’s communication. He consistently followed up, was proactive about keeping me updated, and made the entire process feel straightforward and manageable. I would highly recommend Caleb and TQL to anyone exploring financing. They offer a wide variety of loan options, and Caleb made it easy to understand which ones made the most sense for my situation. I really appreciated his responsiveness, professionalism, and guidance throughout the process!
Jesus Rodriguez
Aug 2026
What can I say? TQL surpassed all expectations. From taking me in after a previous lender did us dirty, to walking us through step by step and save the deal, to funding the purchase in 9 days. Will definitely work with them again! Thank you Beau and Zach!
Julie Barwick
Aug 2026
We recently did a refinance on an investment property, and Taylor and his team were all stars to work with! Professional, competent, and thorough. They got the job done!
River Realty Service LLC
Aug 2026
I recently had the pleasure of working with Evan Stinnett and Bradley from Total Quality Lending, and I couldn’t be happier with the experience. It was great having them by my side throughout the entire process. Communication was excellent, and Evan was always there whenever I had questions or needed anything related to my mortgage. You can absolutely trust these guys! They made the whole process very smooth. I look forward to working with Evan and Bradley again in the future.
Artemisian
Aug 2026
It was great working with Dominick Scellato, Miles VonTobel and Katie Buckley. This is an excellent team with a very efficient and streamlined process.
Ty Cover
Aug 2026
Hunter was a great commentator and we worked out a good loan.
Steven Kuhns
Aug 2026
We worked with Seth at first and it was the first time that we felt valued since we started looking around for a lending company that could help us! Dominic, Seth and Katie were incredible to work with and I would recommend anyone to give them a call! They have a way of making you feel important 😊
Greg
Aug 2026
Dominick and TQL were great to work with and helped us finance a unique STR. I would definitely recommend. Greg
lj schultz
Aug 2026
I recently connected with Top Quality Lending Carmel, Indiana. It was my good fortune to have Ben Stanley and Taylor Burkhardt as my representatives. I have many years experience representing my clients, be they commercial or residential investors, advising them as a consultant as to the best options available in the lending arena nationwide. Both Ben and Troy were extremely professional, knowledgeable and resourceful in presenting the perfect loan package to fit my client's needs. I highly recommend them for all of your real estate financing needs, they will get the job done!
Denny Hampton
Aug 2026
I had the absolute pleasure of working with the team at Total Quality Lending. Buying our first investment property, we had an idea of what was needed, but wow, Ben answered every question and explained the process beginning to end. Communication was second to none. Where TQL really shines is execution. Ben, Brad, Taylor and the team absolutely knocked it out of the park. Smoothest home buying experience I’ve ever had. We will definitely be using them again in the future. Well done guys!
Fabiola Tambini
Jul 2026
Working with Adam and Katie was an outstanding experience from beginning to end. They made the refinancing of one of our investment properties a smooth and stress-free process.Adam was my initial point of contact and was incredibly responsive, knowledgeable, and proactive throughout the entire process. Katie was equally wonderful—organized, professional, and always willing to answer questions and keep everything moving forward. They both demonstrated exceptional customer service, clear communication, and genuine dedication to helping us achieve our goals. Their teamwork made what can often be a complicated process feel straightforward and manageable. I highly recommend Adam, Katie, and their team to anyone looking for a lender they can trust. Thank you both for your hard work and for making this refinancing such a positive experience!
Chase Harris
Jul 2026
Dominic and his team of people, including Ethan, Katie and Rebecca were excellent to work with. Our transition from the many ideas to actually closing on a home was easily accomplished. Ethan was able to walk us through the process, Katie took care of all the details, information and processing we needed. Our closing was quick, processed cleanly and our initial quote was spot on. Thank you TQL!
Zachary Zaborowski
Jul 2026
Taylor Burkhart is an absolute pro! His knowledge on DSCR loans and overall strategy on investment properties is something that is hard to find in this industry. These guys truly care and go above and beyond just doing a loan for you. I highly recommend Taylor and his team at Total Quality Lending! -Zach Zaborowski
Dustin Williams
Jul 2026
Hunter Turpen did a great job communicating and setting the right expectations. Refi was done swiftly. I had a misunderstanding on the terms and Hunter was able to provide a solution to get it done.
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.