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A lot of well-qualified homeowners are paying 7% right now, even with strong income and serious equity. That never sat r...
10/16/2026

A lot of well-qualified homeowners are paying 7% right now, even with strong income and serious equity. That never sat right with us.
So we went looking, and we found a great way for those clients to get some relief from high rates and high payments: an equity line of credit in first position, interest-only, priced as low as Prime minus 2.0%. With Prime at 7.00% as of 10/14/2026, that's 5.0% APR* for full-doc borrowers at 70% loan-to-value or less.
We'll be honest about the tradeoffs. The rate is variable and tied to Prime, which moves with the Fed. There are costs to open the line. It's not for everyone.
But if you can absorb that risk, it's one of the best options we've seen in a long time. If you're curious whether it fits you, call us at 949-502-0775 or reach out to your Qualified Home Loans loan officer, and we'll walk you through it.


*Home equity line of credit secured by a first lien. Variable rate: the APR is based on the Prime Rate as published in the Wall Street Journal minus 2.00%; 5.0% APR as of October 14, 2026 (Prime 7.00%). 5.0% APR applies at or below 70% LTV; higher LTVs carry higher rates. The APR may increase when Prime rises. Maximum APR: 18%. Minimum (floor) APR: the lower of the starting rate or 6.0%, so at today's pricing the rate won't fall below where it starts. Fees to open: 1% lender fee, $1,495 admin fee, and 1%–2% broker fees, depending on line amount. Early-closure fee: None. 10-yr interest-only draw, then 20-yr repayment; payments increase. Subject to credit approval; not all applicants qualify. Qualified Home Loans NMLS 884457, CA DRE 01910455. Equal Housing Opportunity.

You've probably had a deal like this: a strong buyer, a home they love, and one problem that stalls everything.Here's a ...
10/16/2026

You've probably had a deal like this: a strong buyer, a home they love, and one problem that stalls everything.

Here's a tool that can help: an equity line of credit in first position, used as the purchase loan, interest-only, priced as low as Prime minus 2.0%. With Prime at 7.00% as of 10/14/2026, that's 5.0% APR* for full-doc borrowers at 70% loan-to-value or less.

1. The payment. On a $2.5M purchase with $1.0M down, a $1.5M line at 5.0% APR* is about $6,250 a month interest-only. That can decide whether a buyer walks or closes.
2. The line of credit. It's perfect for buy-before-you-sell. Your buyer buys the next home first. When the old home sells, they pay the line down, and the interest-only payment drops with the balance.
3. Second homes. The line works on primary and second homes, so it works for the beach house too. Interest-only keeps the payment light on that second home at the beach.

The tradeoffs: the rate is variable, so the payment can go up, and there are costs to open the line. It's for California primary and second homes, lines up to $1.5M, and it isn't right for every buyer.

For a well-qualified buyer who can handle rate movement, it's one of the best tools we've seen for stuck deals. If one of yours hits one of these, call us at 949-502-0775 or your Qualified Home Loans loan officer, and we'll tell you honestly if it fits.

*Home equity line of credit secured by a first lien. Variable rate: the APR is based on the Prime Rate as published in the Wall Street Journal minus 2.00%; 5.0% APR as of October 14, 2026 (Prime 7.00%). 5.0% APR applies at or below 70% LTV; higher LTVs carry higher rates. The APR may increase when Prime rises. Maximum APR: 18%. Minimum (floor) APR: the lower of the starting rate or 6.0%, so at today's pricing the rate won't fall below where it starts. Fees to open: 1% lender fee, $1,495 admin fee, and 1%–2% broker fees, depending on line amount. Early-closure fee: None. 10-yr interest-only draw, then 20-yr repayment; payments increase. Subject to credit approval; not all applicants qualify. Qualified Home Loans NMLS 884457, CA DRE 01910455. Equal Housing Opportunity.

Got a fast no on a 5-day HELOC? That answer usually comes from an automated system, not a person looking at your file. S...
10/08/2026

Got a fast no on a 5-day HELOC? That answer usually comes from an automated system, not a person looking at your file. Self-employed income, a home held in a trust, a condo, or a low automated home value estimate can all trip it up.

That doesn't always mean your equity is off the table. We work with multiple home equity lenders, and each one looks at income, property, and title differently.

Mike explains what to do next here:
www.qualifiedhomeloans.com

Or message us and tell us what happened. We'll tell you straight whether there's a better path.

Qualified Home Loans | NMLS #884457 | Equal Housing Lender

Self-employed? A traditional home equity loan isn’t your only option.If you have equity in your home, you may be able to...
09/28/2026

Self-employed? A traditional home equity loan isn’t your only option.

If you have equity in your home, you may be able to access $50K–$150K without using tax returns — and without refinancing your current first mortgage.

This program was designed with contractors, self-employed homeowners, and small business owners in mind and can be used for things like working capital, debt consolidation, equipment, materials, or home improvements.

Some of the highlights:
✅ No tax returns used
✅ No appraisal
✅ Full pre-approval in minutes
✅ Funding can be as quick as 3–5 days
✅ Keep your existing first mortgage
✅ Primary and investment properties eligible

Every situation is different, so if you’re curious whether this could work for you, send us a message. We’re happy to answer a few quick questions and help you explore your options.

Affordability just improved in all 50 states — and that matters more than most headlines suggest.Here’s what the data sh...
02/26/2026

Affordability just improved in all 50 states — and that matters more than most headlines suggest.

Here’s what the data shows:
📉 Real home prices are down 8.6% year over year
💪 Buyer purchasing power is up 10%
🏘️ Inventory is rising in many markets

When supply increases and price pressure cools, buyers gain leverage — and that leverage impacts financing.

It can mean:
• Negotiating seller-paid rate buydowns
• Fewer appraisal gaps
• Stronger approval positioning
• More strategic loan options (especially for self-employed and non-traditional income borrowers)

We’re not back to 3% rates.

But we are in a market where strategy beats speed.

If you’ve been waiting for the “right time,” this shift is worth a closer look.

Message us if you’d like to explore what your buying power looks like today.

01/15/2026

You didn’t miss your chance — the market is changing.

More homes are hitting the market.
Rates have come down from their highs.
That doesn’t mean every deal is a good one… it means strategy matters more than ever.

The buyers who win in shifting markets aren’t the fastest — they’re the most informed.

If you’re wondering how this market affects your financing options, numbers matter more than headlines.
DM me your scenario or questions.

There’s a lot of noise online about what’s “ruining” the housing market — and investors are usually the first thing peop...
01/13/2026

There’s a lot of noise online about what’s “ruining” the housing market — and investors are usually the first thing people blame.

But the truth is, the market is more complicated than that.
Inventory, interest rates, affordability, and lending guidelines all play a role.

What I do know is this: homeownership is still one of the best ways to build long-term stability and wealth — and I’m here to help more people get there with a smart plan.

If you’re thinking about buying this year, message me and I’ll help you map out your next steps.

A warm salute to our nation's great leaders - Happy President's Day!
02/20/2023

A warm salute to our nation's great leaders - Happy President's Day!

🤔 You'd be surprised by how much you didn't know. Send us a message if you'd like to stay in the know and subscribe to o...
02/17/2023

🤔 You'd be surprised by how much you didn't know. Send us a message if you'd like to stay in the know and subscribe to our Monthly Mortgage Updates!

02/14/2023

We LOVE keeping our clients happy! 💕

It’s one of our favorite days of the year, Thanksgiving. 🦃 A time for us all to rest and remind ourselves what we are al...
11/23/2022

It’s one of our favorite days of the year, Thanksgiving. 🦃 A time for us all to rest and remind ourselves what we are all grateful for. We are grateful for you and your support. Thank you, and we hope you can enjoy all the delicious food and your time with your loved ones. 🧡

11/11/2022

We are honored to stand on the land you protected. Thank you! ⭐⭐⭐

It's no secret that one of the most critical factors in getting qualified for a mortgage loan is documentable income. 💰 ...
11/07/2022

It's no secret that one of the most critical factors in getting qualified for a mortgage loan is documentable income. 💰 Things get a little trickier when we start talking about mortgages for self-employed individuals. Click here to learn why! 📖 https://bit.ly/3FLVHUE

Mortgage lenders are bringing back a loan program called a 2-1 buydown or temporary buydown.💲These programs have been ar...
11/03/2022

Mortgage lenders are bringing back a loan program called a 2-1 buydown or temporary buydown.💲These programs have been around for a while but only get dusted off when rates have recently increased. Click the link to read about Temporary Buydowns and how they can help you. 😊 https://bit.ly/3DYmCuU

WE ARE NOW LICENSED TO LEND IN THE STATE OF IDAHO! Looking to relocate or invest in a 2nd home? Contact your Loan office...
06/30/2022

WE ARE NOW LICENSED TO LEND IN THE STATE OF IDAHO!
Looking to relocate or invest in a 2nd home? Contact your Loan officer today! Check out our full blog post to learn more about Idaho's housing market and how QHL can help YOU become a homeowner 🏠📲 https://bit.ly/3OV8XYo

Address

23330 Mill Creek Drive , Ste. 150
Laguna Hills, CA
92653

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18887317860

Website

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