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Thank you for visiting my website. If you are looking for help with a residential mortgage in the state of California, you've come to the right place! I am a federally licensed mortgage consultant with a wealth of experience and resources to qualify you!
Federally LICENSED in the state of CALIFORNIA
NMLS # 242086 BRE#017335547
Broker: Qualified Home Loans NMLS# 884457 BRE#01910455
EXPERT HELP FOR SELF EMPLOYED BORROWERS
Self-employed, having trouble getting qualified for your home loan?
I have many years of experience and know how to calculate income as well, and many cases better than the underwriters at the banks! This means that I can QUALIFY you where many others banks or brokers cannot! I also have access to many unique, out-of-the-box loan solutions to help qualify you- such as 1 yr only tax program, stated income loan solutions with rates starting as low as 4.99% and last resort, private lenders- all under one roof!
This saves you time and money, as I have access to over 35 lenders for every home loan solution AND the expertise to customize your loan to match the best lender and loan program for your specific goals and needs!
Here's just a few unique loan solutions for Self-Employed borrowers
(NOT "hard" money):
1 yr only Tax Program-
BEST priced self-employment program! Let me help you qualify using only 2018 tax returns for lowest 30 yr fixed rates available in today's market!
- NEW 1 month bank statement program
For owner occupied only, NO taxes, NO 4506T, no P&L's, up to 75% loan to value with NO reserve requirements! 1 month bank statement only! Even a 30 yr FIXED rate starting as low as 5.00% (APR 5.181%)!!
- 12 mos Bank statement program-
Qualify without taxes, using 12 mos average income deposits! Low 30 yr fixed rates available!
- Investor Program-
Qualify on just cash flow of rental property. NO income, NO taxes! Low 30 yr fixed rates available!
- Asset Qualification Program-
For high net worth/high asset borrowers. NO taxes! Low 30 yr fixed rates available!
What have you got to lose? Call today 949-528-3988 for a free, no hassle loan consultation from a federally licensed mortgage professional who is on your side!
How to - tools
You have been the best loan officer that I've ever worked with, this is coming from over 25 years of experience.
Thanks again for everything and I shall be singing your praises to everyone :)
Have a wonderful day!"
"We couldn't be any happier with our loan consultant, Tom. He assisted us in back to back transactions, first a refi and then a purchase. He thoroughly explained everything, he was extremely personable, reliable, very easy to work with and both transactions went as smooth as silk! We were ready to close our purchase in just three weeks! He responded to all my calls and emails right away and never left me with any questions. I would HIGHLY recommend him to friends and family or anyone needing a loan and he will definitely be our go to loan guy for any future transactions! Thanks Tom, you're the best and this industry really needs more like you! :-)"
Omar and Lisa A. Gilroy, CA
"Tom Hodges was perfect to work with. We were first time home buyers and he made the whole process stress-free. He explained all of our options and was friendly and extremely professional. He was a miracle worker! - I recommend him to all our friends."
Scott and Beatriz B. .La Mesa, CA
"We recently purchased a vacation home with the help of Tom from Qualified Home Loans. Being that it was a second home and banks have tightened their lending, and on top of that we are self employed, we didn't have high hopes. However, from beginning to completion, Tom was on top of the process consistently e-mailing or calling to get the needed documents and processing them quickly. Because of his hard work and communication, we closed the loan in 3 weeks! This is the second time we used Tom to acquire a home loan and we will definitely call him again when the time comes!" Mitch & Teresa K. Menifee CA
Paul and I want to thank you for your diligence (and patience!) working with us on our refi. What a detail guy! Thanks for all you did behind the scenes to keep it moving, and for your help to deliver as promised. We are grateful!"
Paul and Karen L. Sun Valley CA
"Tom was wonderful to work with during the home buying process, which would hav otherwise been very stressful. He was always reachable and let me know every step of the way what was happening with my loan. And there were never any dumb questions. I would highly recommend him to anyone, from first time buyers to those who are refinancing."
Deborah H. Los Alamitos CA
"I'm happy to provide a glowing recommendation for Tom Hodges with Qualified Home Loans.
Tom is professional, knowledgeable, creative and especially responsive! He was always available during the entire process from pre-approval through to closing.
Thank you Tom for making this transaction smooth and successful and I look forward to many more!"
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