Total Quality Lending Reviews
4.9 Stars Across 500+ Google Reviews
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.
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 →
What our clients say
Real reviews from verified Google clients. Showing our latest 30 five-star reviews.
Gloria Fletcher
Jun 2026
Evan has been and still incredible with edu3cating me on how DSCR loan and process works. He is very quick to respond to my text message inquiry as well as my phone calls. He normally take my call day, evenings and weekend. He is rang true to his word. He is reliable, dependable and knowledgeable. I highly recommend this company and anyone looking for a person and company whom work very hard for you. KEEP BEING GREAT, EVAN!
Brian Jungling
Jun 2026
Dominick and Katie were super helpful and made my first STR purchase a great experience!
Jeff Favre
Jun 2026
Simply put, Zachary and Katie are the best! We were so lost, and they did so much for us, kept responding, being clear, being patient, and it all worked out because of them. Cannot recommend enough!
Brielle Forler
Jun 2026
Working with Hunter was a great experience from start to finish. He was always available to answer our questions, kept us informed throughout the entire process, and made everything as smooth and stress-free as possible. As first-time home buyers, there were a lot of things we didn’t know, and Hunter took the time to explain everything clearly and make sure we were comfortable every step of the way. We truly appreciate TQL and would highly recommend them to anyone looking for a mortgage lender.
Bon Jun Koo
Jun 2026
Ethan helped our property search journey perfectly. His fast quote and loan estimates were very helpful.
hana won
Jun 2026
Miles, Dominick, and Katie were absolutely amazing throughout our loan process. Our loan was not an easy one, but they made everything feel seamless from start to finish. They were always responsive, helpful, and great with follow-ups, which made the entire experience much less stressful for us. Most importantly, they worked hard to get us the best rate possible with the least amount of hassle. We truly appreciated their professionalism, patience, and dedication. Highly recommend working with this team!
Scott Skowronski
Jun 2026
I had an outstanding experience working with Dominick 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. No matter what questions came up throughout the process, they were quick to provide answers and guidance, making what can often be a stressful transaction feel smooth and manageable. What impressed me most was their ability to keep everything organized and on track. They communicated clearly, stayed ahead of deadlines, and worked diligently to ensure there were no surprises along the way. Thanks to their expertise and attention to detail, we closed on time exactly as planned. I highly recommend Dominick and Katie and wouldn’t hesitate to work with them again on future investment properties. They are truly focused on helping their clients succeed!
Niklas Backstrom
May 2026
Dominick and Katie were very knowledgeable and professional. It was a great experience and process from start to finish. Thank you
Kaitlyn Elizabeth
May 2026
I had spoken to several companies for my cash out refi and after one phone conversation I knew this was the right company for me. Taylor stayed on top of everything, and it was the smoothest loan I’ve ever done. He genuinely cared about getting it closed and making the process as stress-free as possible. I highly recommend Taylor! Thank you for all your hard work and helping make this happen! I’m very happy with my choice to use TQL and look forward to working with Total Quality Lending again on my future houses!
Deserie Barragan
May 2026
Many thanks to Dominick Skellato and Katie Buckley for providing us with prompt and knowledgeable service with our DSCR loan process.
Bryan Myers
May 2026
I really had a great experience with Miles VonTobel, Dominick Scellato and Katie Buckley. They came in at a very difficult time for me during very strange life circumstances which made it impossible to work with the 10 to 12 other lenders (no exaggeration ) that I spoke with. With their guidance and patience, I was able to navigate through a very complex and stressful situation with six properties. Now that the first one is done, I plan on refinancing all of them with this wonderful team, and I look forward to working with them as business partners far into the future.
Mica Stinnett
May 2026
I recently had the pleasure of working with Evan Stinnett and Taylor Burkhart at Total Quality Lending for our second mortgage loan, and I can’t recommend them highly enough. From start to finish, they demonstrated exceptional professionalism and expertise that made the entire process smooth and stress-free. They took the time to thoroughly understand our financial situation and goals. They provided us with various options, clearly explaining the pros and cons of each. Their knowledge of the mortgage market is impressive, and they were always available to answer our questions, no matter how small. What truly stood out was his commitment to customer service. Evan and Taylor were proactive in keeping us updated at every stage of the loan process, ensuring we felt informed and confident. Their attention to detail and dedication to finding the best solution for us made a significant difference. Thanks to Evan and Taylor we secured a fantastic rate and terms that exceeded our expectations. If you’re considering a mortgage or refinancing, I wholeheartedly recommend reaching out to either of them at Total Quality Lending. They are a great team , and we are grateful for their support in achieving our financial goals! Mica
J.P. Robinson
May 2026
Evan was incredibly informative and helpful in securing funding for my first duplex. He kept me updated throughout the entire process, and his availability to answer my questions was unmatched. I couldn't be more impressed with his service. Would definitely recommend TQL to anyone looking to get funded!
Valentine Idode
May 2026
It was swift, done within 12 days of my application, great team work lead by Mr Aaron Beck and his team and my target was swiftly meant that was denied by most lenders. At total quality lending closing cost is at its least cost and cheapest I have seen. Truly I was satisfied and will have reasons to use them again and again.
Ryan McFadyen
May 2026
Evan and his team were very supportive in helping me evaluate multiple deals before finally helping me close a cash out refinance on one of my existing properties. I’ll definitely use them again in the future.
Laurel Biddulph
May 2026
I had a wonderful experience with Total Quality Lending in obtaining the mortgage for my beach house. From start to finish, the process was seamless, professional, and far easier than I expected. Hunter Turpin was especially helpful. He answered my calls promptly, responded to every question, and got my pre-approval letter to me right away when I needed it. I was also very impressed with the underwriting process and how smoothly everything came together. I truly could not have asked for a better lending experience. I would gladly give Total Quality Lending a five-star rating and would highly recommend them to anyone looking for a mortgage lender.
Joan Elmore
May 2026
My husband and I worked with Aaron at TQL for our home loan and the experience was fantastic! He and his team were very responsive, friendly and professional, and they got everything completed for the close date we needed. I would absolutely work with them again and highly recommend!
Ben Todys
May 2026
Miles and Katie were fantastic in helping to get our DSCR financing in place! I appreciate their responsiveness and guidance throughout the process, all the way from initial inquiry through funding. I look forward to working with them in the future!
Morris D. Cohen
May 2026
fantastic company
Diana G
May 2026
I had an amazing experience working with Adam and Katie at Total Quality Lending. From start to finish, Adam was incredibly responsive, knowledgeable, and patient with every question I had throughout the process. Even with a few hiccups on my side along the way, he worked hard to keep everything moving and helped get the home closed quickly and smoothly. Katie was also wonderful to work with! She was organized, communicative, and always helpful whenever we needed updates or guidance. Their teamwork truly made a stressful process feel manageable. I’m beyond grateful for everything they did and will absolutely be a lifelong customer. I highly recommend Total Quality Lending to anyone looking for a lender who genuinely cares and goes above and beyond for their clients!
Christi Smith
May 2026
We began our journey with TQL with Taylor. I was actively speaking with 4-5 different lenders. Taylor’s knowledge, confidence and tone made the choice clear for us. TQL would be our choice. Throughout the process of info gathering, conditional approval, and underwriting - Taylor and Katie were amazing! They were accessible and patient. We have purchased and financed many times, so I confidently recommend working with TQL because of the professionalism and commitment of their team- Taylor and Katie were great! We will work with them again and be certain to share our experience with our friends! Thank you for a great experience!
Kat McReynolds
May 2026
TQL helped me with a real estate purchase recently, and I was very satisfied with the efficiency of their loan process. My primary contact Evan Hoy was responsive, business-minded and helped weigh different loan options to best suit my situation. Katie Buckley got involved later and helped move the loan towards closing. Overall, this loan process was smooth and closed quickly. I will definitely reach out again!
Liliana Aliyazicioglu
May 2026
Great company to do business with they are professional and on top of everything. This was a rush refinance and my agent Aron was able to close escrow on time since I was leaving for a trip!!
Andy Levine
May 2026
Zach and Katie were a pleasure to work with. They were always available to answer any questions we had and they professionally guided us through the loan process. I highly recommend and would use them again.
Donna Harris
May 2026
Dominick and his team did a great job with this transaction and we are grateful for their care and efforts.
Chris Fehrmann
May 2026
Smooth process. Great website account to manage the process. Friendly staff that are informative. They even received a thumbs up from the title agent!
Ravi Guadron
Apr 2026
I bought my first house with Total Quality Lending and they made the whole process a breeze. As it was my first house I had a lot of questions and Dominick answered all of my questions about it in a timely and professional manner. They were always very transparent and the costs and the market rate that would affect my quote. Katie handled the underwriting with a poise and professionalism that made me feel comfortable the whole time like I know what was going on and never had to question where we were in the process. Finally Ethan was honestly the highlight of the whole process. I could get in contact with him at any time of the day or night and he seemed to always have my best interest in mind, giving me updates or explaining why they were asking for certain information. Truly a great experience!
Hieu Nguyen
Apr 2026
Where do I begin? Evan Stinnett (double N double T) is the man! On top of all moving parts… him and team lead us into this chapter flawlessly. His assistant Kylee Johnson’s work ethics can not be mentioned enough!!! This lady does her thing!!! His senior Taylor has built himself the team I would love to continue working with. I would give 100stars if possible , thank you all so much for making dreams become reality!!! 🙏
Susan Yan
Apr 2026
Hunter and Kylee were exceptional to work with on my non-traditional DSCR loan. My property is located in a rural area, which made finding a lender challenging, but they truly came through for me. Hunter was professional, highly knowledgeable, and kept me informed every step of the way with clear and consistent communication. Kylee handled the closing process seamlessly, ensuring everything went smoothly from start to finish. I highly recommend them to anyone seeking a non-traditional loan—especially in more complex situations.
Nick Barberio
Apr 2026
I worked with Bryce from Total Quality Lending to do a refinance on my house. Being in the real estate industry myself, I can recognize someone who works with integrity and professionalism. I am very happy with my experience working with Bryce. The process was seamless, my rate is great, and I now have the money I need to do the improvements on my house that I've always wanted to do!
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.