One application. 100+ lenders competing for your loan.
Apply once and we shop your loan across more than 100 lenders, with a single credit check and a soft pull available to get started. Our pricing is built to compete, and our price match guarantee* backs it up.
- Google rating4.9209 reviews
- Lenders compared100+on every loan
- Credit check1soft pull available
- BBB ratingA+Better Business Bureau
- Licensed inFL · GA · COFLNMLS #1781090
- Bilingual teamEN/ESEnglish & Español
Every loan has a path to Clear to Close. We find it.
We are experts equipped with every residential loan program available, so we always have an answer for you and the tools to make even the most difficult loan scenarios possible. Pick a category to see what fits.
Home Loans
Purchase and refinance for everyday buyers.
Conventional
Buyers and homeowners with steady, documented income and solid credit.
Documents Pay stubs, W-2s, tax returns
FHA
First-time buyers and borrowers who need flexibility on credit or down payment.
Documents Full income documentation
VA
Eligible veterans, active-duty service members and surviving spouses.
Documents Certificate of Eligibility, income documentation
Jumbo
Buyers of higher-priced homes that need a loan above the conforming limit.
Documents Full documentation, cash reserves
One-Time Close Construction
Buyers who want to build a new home on a lot they own or are buying.
Documents Income documentation, builder contract, plans and specifications
Home Equity and Second Mortgages
Use your home's equity and keep your first mortgage.
HELOC
Homeowners who want flexible access to their equity without refinancing their first mortgage.
Documents Income documentation, current mortgage statement, homeowners insurance
Fixed-Rate Second Mortgage
Homeowners who want a lump sum of cash without giving up the rate on their first mortgage.
Documents Pay stubs, W-2s or bank statements, current mortgage statement
Self-Employed and Investors
For self-employed borrowers and real estate investors.
Bank Statement
Business owners, self-employed and 1099 earners whose tax returns understate what they make.
Documents 12 or 24 months of personal or business bank statements
DSCR
Real estate investors buying or refinancing rental property.
Documents Lease or appraiser's rent schedule. No personal income documents
Profit and Loss
Self-employed borrowers with a CPA or tax preparer who can prepare a P&L.
Documents CPA or tax preparer profit and loss statement
Hard Money
Investors who need speed: fix-and-flip, bridge financing, auction or time-sensitive purchases.
Documents Based mainly on the property and your plan for it
Fix and Flip
Investors buying a property to renovate and resell.
Documents Purchase contract, rehab budget and scope of work, entity documents
Bridge Loan
Buyers and investors who need to close on the next property before the current one sells or long-term financing is ready.
Documents Purchase contract, details of the property being sold or refinanced, exit plan
Stated Income
Investors financing a rental or other non-owner-occupied property for business purposes.
Documents Income stated on the application, asset statements, proof of employment or business
No Social Security Number or Living Abroad
Homeownership without the usual paperwork.
ITIN
Borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number.
Documents ITIN letter, income documentation, traditional or alternative credit
Foreign National
Non-U.S. residents buying a second home or investment property in the United States.
Documents Passport, visa where applicable, foreign income and bank references
Commercial and Multifamily
Financing for commercial property and apartment buildings with five or more units.
Commercial
Business owners and investors financing income-producing commercial property.
Documents Varies by property: rent roll, operating statements, entity documents
Multifamily
Investors buying or refinancing apartment buildings with five or more units.
Documents Rent roll, operating statements, entity documents, sponsor experience
Specialty Loans
Streamline refinances, alternative documentation and hard-to-finance condos.
FHA Streamline
Homeowners who already have an FHA loan and want better terms with less paperwork.
Documents Current mortgage statement, photo ID. No income documents or appraisal
VA IRRRL Streamline
Veterans and service members who already have a VA loan and want to lower their rate.
Documents Current mortgage statement, photo ID. VA requires no appraisal or income verification
WVOE Only
Salaried W-2 employees who prefer not to provide tax returns or whose returns show heavy deductions.
Documents Written Verification of Employment completed by your employer
1-Year Tax Return
Self-employed borrowers and others with a recent change who want to qualify on one year of tax returns.
Documents Most recent year of personal and business tax returns
Condotel (Condo Hotel)
Buyers of units in condo-hotel buildings that most conventional lenders will not finance.
Documents Varies by program: income or asset documentation, project questionnaire, rental program details
New Construction Condo
Buyers of units in newly built or still-selling condo projects.
Documents Income documentation, purchase contract, developer's project documents
Non-Warrantable Condo
Buyers and owners of condos in projects that do not meet Fannie Mae or Freddie Mac guidelines.
Documents Income or alternative documentation, condo questionnaire, association budget
How it works
From first call to closing day.
Five clear steps, with updates at every one so you always know where your loan stands.
Talk it through
A short call about your goals, income and timeline. No credit pull to start.
Apply online
Complete our secure application and upload documents from your phone.
Get pre-approved
We compare over 100 lenders and issue a pre-approval you can shop with.
Underwriting
We order the appraisal, clear conditions and keep everyone on schedule.
Close
Review your final numbers, sign, and get your keys.
QMS average: 20 days
Payment calculator
See the payment before you see the house.
Type your numbers or use the sliders, then add taxes, insurance and HOA to see the full monthly payment. When you're ready, we'll run real numbers across lenders.
Shown because the down payment is under 20%. Mortgage insurance varies with credit, down payment and loan type, so enter the rate from your quote if you have one.
Estimated monthly payment
$0/mo
- Principal and interest
- Property taxes
- Hazard insurance
- Flood insurance
- HOA dues
- PMI (mortgage insurance)
- Loan amount
- Down payment
- Total interest over the term
This loan amount is above the 2026 baseline conforming limit of $832,750. That's jumbo territory, and pricing varies a lot by lender. See jumbo loans.
This loan amount is within the 2026 baseline conforming limit of $832,750.
Get real numbersIllustration only, not a loan offer or rate quote. The rate, taxes, insurance, HOA dues and mortgage insurance are the figures you enter. Your actual rate, payment and costs depend on credit, loan type, property and lender approval.
Google reviews
What our clients say on Google.
★★★★★
I just want to thank QMS and Ronald for being an integral part of our financial future- we were able to seamlessly find, view, and purchase properties of all spectrums with ease. Highly recommend the team if your in need of your next purchase!★★★★★
The BEST mortage loan and funding expert in Miami I've had the pleasure of working with in a long time! Ron has amazing creative financing and negotiating capabilities that truly made a significant difference in closing with way better terms beyond what I thought was even possible. He stays connected through every step of the way and even sets up back up plans just in case. Definitely coming back for some DSCR servicing soon. Thanks Ron!!★★★★★
We were assisted by Ronald, throughout the whole process he was very responsive and attentive to all our needs and questions. Will definitely recommend to anyone in the process of buying or refinancing!★★★★★
I had an amazing experience refinancing my Orlando home with QMS Mortgage, thanks to Mr. Michael Fernandez. He was focused, professional, and incredibly thorough. Michael secured the lowest interest rate for me with minimal closing costs, beating out even my previous trusted mortgage contact. What truly stood out was how he saved me a significant amount on mortgage insurance and delivered on every promise—on time and without any surprises. The entire process, including closing, was simple, smooth, and quick. I'm very happy with QMS and especially with Michael’s service. I highly recommend him to anyone looking to refinance—I'll definitely be referring my friends and family!★★★★★
Thanks to Gabriel for everything he did with this refinancing. He was with me at all times, a great human being and very professional in his work. I recommend him 100%. God bless him greatly.★★★★★
I had an excellent experience working with Gabriel & his team. Will definitely recommend them to friends/family!★★★★★
I started my mortgage refinance with another company I will not mention. It proved difficult to work with that company. I received a letter in the mail and I got in touch with Michael at QMS. I decided to call. It was the best decision I made. He took care of my refinance from A-Z and the process flowed so smoothly that I would definitely recommend him and his team to everyone. The thing that sold me on the transaction wasn't only the quickness of it, but the customer care. With the previous company I spoke to a person and I was never able to get through to her. The customer interaction was subpar to say the least. I did not have any issues with Michael and his team. They were always there and ready to answer my questions. If future rates ever drop and a refinance is in the works, they will be the first people I will get in touch with.★★★★★
The best experience from a very professional, communitive and knowledgeable mortgage broker. Easy and fast response with any questions or concerns I might have had.★★★★★
Thorough and professional. Completed my VA mortgage refinance in excellent time and with the least amount of tasks/problems for my part of the process!★★★★★
I was totally protected and well informed ever step of the way. The best experience working with Ron..he was very transparent ,understanding and a true people person. He kept reassuring me that all will be ok and this made me very comfortable. I will recommend him 100%. Professional in every way.Recent 5-star reviews from Google. See every review, at every rating, on Google.
Meet our founder
“I started Quality Mortgage Solutions to give clients the best experience possible and the most competitive terms available. Guiding people to homeownership, and knowing we got them the best deal, is the most rewarding part of this work.”
Michael founded QMS in 2018 and leads a team focused on clear communication, speed and getting clients the right loan.
FAQ
Questions we hear every day.
Don't see yours? Call us or send a message. We answer the same business day.
305-425-1990Why work with QMS?
Unparalleled customer service and turnaround times that are truly fast. Our unmatched industry knowledge lets us structure your loan like no one else, so we get even the most difficult deals to the closing table when most can't. And our superpower is our network: more than 100 lenders we've spent over a decade building relationships with, which lets us deliver unbeatable mortgage terms, backed by our price match guarantee.
Will checking my options affect my credit?
No. Our first conversation and your quote request don't involve a credit check. When you want firmer numbers, we can start with a soft pull, which doesn't affect your score. We only run a full credit check, with your permission, when you're ready to apply, and one check covers every lender we shop.
How does your price match guarantee work?
Before you lock, send us a written Loan Estimate from another licensed lender for the same loan program, loan amount, term, lock period, property and occupancy, dated within the last 5 business days. We'll match its interest rate and lender fees. Your loan still has to be approved under the same program and lender guidelines. Third-party costs such as taxes, insurance, title and appraisal are excluded. This is not a commitment to lend.
How much do I need for a down payment?
It depends on the program and your situation. Some programs allow a low down payment and VA loans offer eligible veterans a low down payment. Down payment assistance programs are also available. Not everyone will qualify and requirements vary from program to program, so ask us for more information. We'll show you every option you qualify for so you can choose.
Can I qualify if I'm self-employed?
Yes. Bank statement and profit-and-loss programs let business owners and 1099 earners qualify on actual deposits or a CPA-prepared P&L instead of the net income on their tax returns.
What is a DSCR loan?
A loan for investment property that qualifies on the property's rental income compared with its payment (the debt service coverage ratio), not your personal income. You can close in your name or your LLC's.
Can I get a mortgage with an ITIN or as a foreign national?
Yes. We work with lenders that accept ITIN borrowers and non-U.S. residents buying second homes or investment property. Many don't require U.S. credit history.
How long does it take to close?
We've closed loans in as little as 7 business days, the minimum waiting period federal disclosure rules allow after you receive your Loan Estimate. Our average is about 20 days, and 30 days is a comfortable timeline for most loans. The program, the appraisal and how quickly documents come in all play a part. Hard money and other business-purpose loans can close even faster.
What does it cost to use a mortgage broker?
Our compensation is disclosed up front on your Loan Estimate, and it's paid either by the lender or by you, never both. Because we compare wholesale and private lenders, you see options a single bank can't offer.
Which states do you lend in?
We are licensed in Florida, Georgia and ColoradoFlorida. You can verify our licenses on NMLS Consumer Access.
Get started
Know your numbers before you make an offer.
Get a quote in minutes, or call and talk with a licensed loan officer today.