Terms of Use

Effective Date: April 8, 2026

Welcome to the website of Total Quality Financial, Inc. DBA Total Quality Lending ("Total Quality Lending," "we," "us," or "our"). By accessing or using our website at totalqualitylending.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

1. Nature of Services

Total Quality Lending provides business-purpose loan products for real estate investors, including DSCR loans, short-term rental financing, BRRRR financing, and related investment property loan programs. All loan products offered through this website are business-purpose lending and are not consumer mortgage products. This Site provides general information about our services and is not intended to be, and should not be construed as, financial, legal, or investment advice.

2. No Commitment to Lend

Nothing on this Site constitutes a commitment or offer to lend, a pre-approval, or a guarantee of any loan terms. All loan applications are subject to credit approval, underwriting review, and verification of information provided. Programs, rates, terms, and conditions are subject to change without notice. Not all loan products are available in all states. Pre-qualification results are estimates only and do not represent a commitment to lend.

3. Use of the Site

You agree to use this Site only for lawful purposes and in accordance with these Terms of Use. You agree not to: use the Site in any way that violates any applicable federal, state, local, or international law or regulation; submit false, misleading, or fraudulent information through any form or application on the Site; attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site; use any automated system, including robots, spiders, or scrapers, to access the Site for any purpose without our express written permission; introduce any viruses, Trojan horses, worms, or other malicious code to the Site; or interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information on this Site, we make no representations or warranties regarding the accuracy, completeness, or timeliness of any content. Loan rates, terms, qualification criteria, and program details displayed on the Site are for informational purposes only and may not reflect the specific terms available to any individual borrower. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.

5. Intellectual Property

All content on this Site, including text, graphics, logos, trademarks, images, and software, is the property of Total Quality Lending or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Site without our prior written permission.

6. Privacy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using this Site, you consent to the collection and use of your information as described in our Privacy Policy.

7. Disclaimer of Warranties

THIS SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TOTAL QUALITY LENDING DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TOTAL QUALITY LENDING, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, ANY CONTENT ON THE SITE, OR ANY SERVICES OBTAINED THROUGH THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Indemnification

You agree to indemnify, defend, and hold harmless Total Quality Lending and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms of Use, or your violation of any rights of any third party.

10. Third-Party Links

This Site may contain links to third-party websites or services that are not owned or controlled by Total Quality Lending. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Total Quality Lending shall not be responsible or liable for any damage or loss caused by or in connection with the use of any third-party websites or services.

11. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms of Use shall be brought exclusively in the federal or state courts located in Orange County, California, and you consent to the personal jurisdiction of such courts.

12. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on this page with a revised effective date. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Use. We encourage you to review these Terms of Use periodically.

13. Severability

If any provision of these Terms of Use is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Contact Us

If you have questions about these Terms of Use, please contact us at:

Total Quality Financial, Inc. DBA Total Quality Lending, Irvine, CA. Email: info@totalqualitylending.com. Phone: (800) 304-1925.