5.0 | 500+ Reviews

You Deserve
to be Qualified

We help you find a loan that works — even when your finances aren’t simple.

You have solid credit, real income, and equity to work with. But the bank ran your numbers and went quiet or approved something that fell apart weeks later.

The issue was never your finances.
It was a lender that didn’t understand them.

That’s why our clients choose us to help them.
And when they’re happy, we’re happy.

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5-Star Google Reviews

Borrowers We Work With

Built for the Situations Lenders Get Wrong

If this sounds like you, reach out for a no-cost consultation.

Why qualified home loans

When We Say a Loan Works, It Closes

For over a decade, Qualified Home Loans has helped clients with complex finances find loan solutions that traditional lenders can’t solve.

As a team of licensed mortgage brokers, we work across multiple lenders and programs, helping you find a home loan that fits your unique situation.

We review your full financial picture right away — income structure, documentation, program fit, and lender selection — so you get clear, accurate answers quickly.

Mike Pacheco, President

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Five-Star Reviews

Certified Ramsey

Financial Coach

25 Years

in the Mortgage Industry

A PARTNERSHIP YOU CAN RELY ON

You'll Wish You Had Called Us Sooner

cody rash

Great to company! Mike made the process seamless!

Christine Villegas

Mike was a fresh of breath air! He was readily available for all my questions and closed a HELOC and a new mortgage for my buyer with 17 days. My team was constantly updated throughout the entire process. Thanks Mike 😉

Justin M

What a great experience. Ed and the team at Qualified Home Loans made the process simple and smooth. Thanks again!!

Rodolfo Davila

Darren Brown was helpful, communicated with my wife and I consistently. He was always available for any questions we had, no matter the time of day. I would strongly recommend Qualified Home Loans and Darren Brown to anyone looking to purchase a home.

Linda

Transaction was smooth

sara tochterman

Mike Pacheco made the experience of getting our mortgage very easy and smooth. He was always available to answer questions and quick to reply to e-mails. And he got us a good rate. We will certainly recommend him and use his services in the future, if need be. Sara Tochterman

Jeremiah Romm

With Tom Hodges, it always felt like we had someone in our corner fighting for us. He made the process of applying for a loan painless and as free of anxiety as one could hope for in the home-buying process. He kept in constant contact with us about developments and I credit his work for our deal closing earlier than expected! Edit: we went back to Tom for a refinance. Same tenacity, always working through complications to get us the best deal, keep the process clear, and eliminate our anxiety. We trust him and his work and strongly recommend him.

Eric

Alan was our loan officer. He was truly the best! As a first time homeowner it was anxiety inducing however, Alan and his team were fast, responsive, and always there to answer questions at nearly any time of the day. This team did not miss a beat and I would happily recommend them. Their rate was very competitive and everything felt complete.

Melissa Ghattas

Mike and the Qualified Home Loans team are so great to work with. They walked us through every step of the process and truly support you and what is best for you. They make it as painless and easy as possible. I recommend them to all of my family and friends and I am so grateful for this team. Thank you all for what you do!

Terika Smith

Tom and his team were outstanding! He helped us with our first purchase and our second purchase as well. We were with a lender who messed everything up from the beginning to the end, and what took 6 months with them took literally 10 days with Tom to close on our scheduled closing date. He stayed with us from beginning to end and made sure everything was done right. Tom and his team are the best—no complaints at all. They are literally 10 stars!

Customized financing

When Your Scenario Requires a Solution

Buying a home

When your income or finances are outside the box, we structure the loan correctly from the start so your purchase stays on track.

Refinancing

Lower your rate and improve cash flow when the numbers actually make sense.

Accessing equity

Tap equity while keeping the low rate you worked hard to secure on your first loan, with a second mortgage.

Improving your finances

Access your home equity to eliminate high-interest debt, or fund major expenses, or create more financial breathing room.

Qualifying on your own terms

Get qualified for self-employed and complex income loans when your tax returns don’t reflect your true income.

How it works

The Clearly Qualified Process

Intro call

Understand your goals and
situation before anything moves forward.

Full qualification review

We evaluate your file the way underwriting will and determine the path that can actually be approved.

Clean execution

With the right plan in place, the loan moves smoothly from application to closing.

The Right Loan Can Change What’s Possible

The new home moves forward. The debt gets consolidated. The plans you’ve made for your family stay on track.

If there’s a path forward, you deserve a clear answer.

Monthly Insight.
No Rate Spam.

Practical guidance on qualifying, loan strategy, and market shifts, for borrowers with more complex financial lives.

Get Clearly Qualified

If you’re considering a purchase, refinance, or accessing your equity, let’s talk.

You Deserve to be Qualified