How I Can Help You Buy Your Dream House
Get Pre-Qualified
I can get you prequalified online so you can make an offer with confidence that it will get accepted.
- Benefits
- Get Your Offer Accepted
- Know Your Buying Range
Shop For Best Rate
I will use my network of lenders to shop for the best rates and loan program to fit your needs.
- Benefits
- Shop Multiple Lenders
- Lower rates, Lower Payments
Fast Funding
I will use my expertise to make sure your loan gets funded fast! I make funding a breeze.
- Benefits
- Hassle Free Funding
- Get Your Dream House
Why clients choose to work with me
“Most loan officers quote rates. I solve loan problems.” — Tom Hodges
With over 20 years of mortgage experience, I help clients get approved in situations where other lenders say “no,” “maybe,” or “we’ll see.”
Here’s what makes working with me different:
I shop 60+ lenders for the best fit.
I solve non-cookie-cutter mortgage situations.
Direct communication — you work with me, not an assistant.
Fast response by call or text.
Clear explanations in plain English.
No surprises at closing.
My goal is simple: structure your loan the right way the first time.
I specialize in helping:
First-Time Homebuyers — guidance every step of the way
Self-Employed Borrowers — flexible income documentation options
Real Estate Investors — DSCR & Non-QM solutions
Credit Challenge Scenarios — real strategies, not generic denial
FHA / VA / Conventional / Jumbo — right product for your goals
Refinances & Cash-Out Solutions — maximize savings or liquidity
Creative solutions- I have literally EVERY loan solution available under one roof!
If your situation is not “cookie cutter,” you’re in the right place.
The Loan Process Made Simple
✅ Quick Call or Online Application
✅ Personalized Loan Strategy
✅ Cooperative Paperwork Completion
✅ Smooth Clear-to-Close
Four steps = clarity = trust.
Simple. Clear. Stress-free.
Ready to get started?
→ Start My Pre-Approval
📞 Call or Text: (949) 528-3988
Tom Hodges
Senior Mortgage Consultant
NMLS# 242086
Qualified Home Loans
NMLS #884457
The Qualified Home Loans Advantage
Local Knowledge
I know the area and the market and I'm part of your community, not a bot on the net :)
Fast Processing
I work to close your loan as quickly as possible. I can even hit curveballs!
Best Service
I offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.
Utilizing Technology
I have the latest online tech like secure mobile uploading and I'm available to use the device the old-fashioned way too!