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Qualified Home Loans

Mortgage Programs

How to get your mortgage application right the first time

For many people, buying a new home or refinancing is the most complex financial transaction they’ll ever make. With the amount of information and documentation required to complete a loan application, chances are some things will be missed or forgotten the first time around. Omitting important information or partially filling out a form are common …

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What are the current VA home loan requirements?

If you’re an active service member, veteran or surviving spouse, VA loans can offer many home financing advantages that can help you get a foothold in the housing market. Zero requirements for down payments and comparatively lower credit thresholds make these mortgages a popular option for those who qualify. However, not everyone who served is …

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A surprising twist in the COVID housing market: The high-end is sizzling

The pandemic is revving up the higher end of the market and nudging more sales over the $500,000 mark from California to the New York City suburbs. In a historic turnabout that’s one of the biggest, most underreported stories of the COVID economy, higher priced homes—which almost always lag in a surging market—are racing neck-and-neck …

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Top Lender in California

QHL’s founder, Mike Pacheco, is featured in Top Agent Magazine as a Top Lender in California. Mike places particular emphasis on expertise, making sure he and his team is always knowledgeable regarding the latest opportunities and action in the market. Tap HERE to get to know Mike and read about his formula for success.

Understanding the Difference Between Jumbo vs. Conforming Loans

If you’ve been home shopping in a higher-cost housing market, then you may have been presented with an option for a jumbo loan—even if the homes you’re looking at aren’t jumbo-sized. That’s because the “jumbo” in jumbo loans refers to the size of the loan, not the size of the property, and it’s something you …

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