Qualified Home Loans

LOAN PRODUCTS & PROGRAMS

Your mortgage shouldn’t be one size fits all.

Combined with our expertise, we have the best options to fit your specific home buying needs.

Loan Programs

Whether it’s a first home, second, vacation getaway, or investment property, it all starts with the right mortgage financing.  See which loan program is best suited for you and your family.

CONVENTIONAL, FHA/VA LOANS

Conventional Home Loans by QHL offer low down payment options while FHA Loans are a great option for first-time home buyers and low-to-moderate income buyers. VA loans offer 100% financing for eligible Veterans, Reservists and Active Duty Personnel. 

Bank statement loans

Great for self-employed borrowers who cannot use tax returns to qualify with rates as low as 4.5% for 30-yr fixed. Available for purchase loans up to 90% of the value with 30-yr rates around 6.0%.

No Income Loans

Used on investment properties where no income verification is used from the borrower to qualify, only the property cash flow matters. Rates are as low as 5.5% for 30-yr fixed for this program. If you have an investment property and you would like to get cash out, this is a great option for you.  

Second Home Purchase

Many borrowers want to buy an additional property and investment property loans require more down payment and higher loan terms. Buying a second home is a good option. The borrower gets the best loan terms (3.0% or less) with as little as 10% down and can even collect seasonal rent on the property as a vacation rental.

The Power of Pre-approval

Did you know most home buyers get pre-approved for mortgage financing before they start shopping? Getting pre-approved can have many advantages for home buyers and can even expedite the buying process.

If you still have questions about your home buying options, feel free to give us a call at 888-781-0899.