Legal Disclosures

Licensing and regulatory information

Business Purpose Lending

All loan products offered by Total Quality Lending are business-purpose lending. This is not a consumer mortgage product. Loans are made to entities and individuals for the purpose of financing investment properties and are not subject to consumer lending regulations such as the Truth in Lending Act (TILA) or the Real Estate Settlement Procedures Act (RESPA) when made for business purposes.

Equal Housing Lender

Total Quality Lending is an Equal Housing Lender. In accordance with the Equal Credit Opportunity Act, we do not discriminate against any applicant on the basis of race, color, religion, creed, national origin, ancestry, sex, marital status, familial status, sexual orientation, age, medical history, disability, physical condition, military status, or any other basis prohibited by law.

Lending Disclaimer

This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Restrictions may apply. This website is for informational purposes only and does not constitute an offer or solicitation to lend. Pre-qualification results are estimates only and do not represent a binding commitment.

State Licensing

Total Quality Lending is licensed to conduct business in 46+ states. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Financing Law. For a complete list of state licenses and regulatory information, please visit the NMLS Consumer Access website at nmlsconsumeraccess.org.

For state-specific disclosures, see: Texas Mortgage Banker Disclosure | California CCPA Privacy Notice

Rate and Fee Disclosure

Interest rates, annual percentage rates (APR), and fees are subject to change and may vary based on creditworthiness, property type, loan-to-value ratio, debt service coverage ratio, and other factors. The rates and terms displayed on this website are for informational purposes only and may not reflect the specific terms available to any individual borrower. Borrowers must qualify at closing for all benefits.

NMLS Consumer Access

You can verify our licensing status and view our company information through the Nationwide Multistate Licensing System (NMLS) at www.nmlsconsumeraccess.org.

Additional Legal Documents

NMLS #1933377 | Equal Housing Lender