With over 20 years of mortgage experience, I help clients get approved in situations where other lenders say “no,” “maybe,” or “we’ll see.” 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. “Most loan officers quote rates. I solve loan problems.” — Tom Hodges
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Tom did an amazing job in helping us secure our mortgage. He was very efficient and on top of everything and made the process go quite smoothly. Thank you for such a seamless experience and we will definitely look to you for our next home purchase or refinancing needs. total 5/5!
Working with Mike Pacheco and the entire team at Qualified Home Loans was truly an outstanding experience! From start to finish, they made the entire home loan process incredibly easy, smooth, and even enjoyable. Mike was always professional, patient, and proactive—he walked us through every step, answered all our questions, and made sure we felt confident and informed the whole way through. The team’s communication was excellent, their guidance was clear, and their dedication to making everything stress-free really stood out. It’s rare to find a lender who combines expertise, efficiency, and genuine care, but Mike and his team delivered all of that and more. We absolutely loved working with them and would 100% work with them again in the future. Highly recommend Mike Pacheco and Qualified Home Loans to anyone looking for a trustworthy, knowledgeable, and truly exceptional lending team!
I had a wonderful experience working with Mike and the team at Qualified Home Loans. Mike was attentive, highly responsive, and guided me through every step of the process with ease and transparency. He expertly navigated my specific situation to ensure everything went smoothly. I strongly recommend Qualified Home Loans to anyone seeking a reliable and seamless mortgage experience.
Mike with Qualified Home Loans has been the unknown blessing that we needed in our life. We've walked by the office so many times while walking our dog and a few weeks ago, we realized it's time to buy a home. Walking through those doors was the beginning of an extremely smooth and simple buying process for my partner and I. We now have our first home together and a real place to put down roots. Not only was Mike amazing as a broker, meeting an aggressive and quick escrow time timeline, but he also recommended Melissa Sorensen as a to realtor, who we've had the absolute pleasure to work with. The entire team was dialed in, extremely responsive, and encouraging. I can't recommend Qualified Home Loans enough. If you're looking to buy a home, this is the place you should start.
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.