We Understand what Builders Need

On Q Financial understands the unique aspects of new construction financing, as well as the service and reliability builders need and expect from a preferred lender. That’s why we offer a comprehensive builder program that includes a wide range of loan products; value added services and a specialized team with years of experience in financing new homes to simplify the new construction loan process for your clients.

Mortgage Products

On Q specializes in offering a variety of loan programs to help builders and buyers make their dream of owning a new home a reality.

Multiple investors enable us to offer a variety of loan options. We offer a wide array of products to help you sell more homes including Conventional, Jumbo, FHA, VA, USDA, Bond Loans, and Reverse Purchase – all processed, underwritten and closed in-house. As a direct seller to Fannie Mae, Freddie Mac and a Ginnie Mae issuer, our processes are simplified and overlays are minimal.

Extended Rate Locks

On Q’s Extended Rate Protection program gives builders an attractive program for buyers.

Extended Rate Locks enable qualified homebuyers to lock in a rate at the time the loan application for a new, unfinished home. Extended Lock options offer up to a 360-day lock-in period; on a variety of Agency and Non-Conforming Products. Qualified buyers receive a ceiling on the interest rate with the option to float down to a lower market rate at time of closing. The program protects the builder’s investment from rising rates, mitigates pipeline fallout, ensures that the property stays within the buyer’s financial reach, and reduces the risk of your inventory being held off market for an unqualified buyer.

*Long term locks may require an up-front fee from the borrow at time of lock

In-House Condo Project Approvals

In addition to traditional building projects, On Q has a specialized in-house condo team who has been working together since 2010. On Q makes it their priority to overcome objections found by other lenders, complete with outside legal support and direct lines of communication to Freddie and Fannie.

Joint Marketing Programs

Working Together to Generate Traffic to Your New Home Communities

We work in partnership with you to develop co-branded marketing materials with community specific loan program and products as well as exclusive community events to drive realtor and buyer traffic to your neighborhoods. We also offer tools and checklists to help guide your customers through the mortgage process.

Visibility and Communication

Having the right information at the right-time is crucial to managing your pipeline.

Our goal is to keep you informed at every stage of the loan transaction. Loan Q is an innovative pipeline management and client communication system that provides complete transparency so you can always know your entire pipeline’s loan status. Builders are able to upload and download builder specific loan documents and the data is updated in near real-time. Loan Q provides up to the minute status of the loan pipeline and notifies you whenever there is a loan status change, keeping everyone on the same page!

We Focus on Simplifying the New Construction Mortgage Process For You and Your Clients


Work alongside an Experienced, Dedicated Builder Services Team

On Q Financial, Inc.’s “Mortgages Simplified” approach is based on teamwork, integrity, accountability and results. Our focus is on timely closings, and we work together to make that happen. Our expert staff takes care of all the details and keeps you informed every step of the way. We are committed to providing the highest level of customer service and proud to have some of the most respected and knowledgeable employees in the mortgage industry. We hire the best and want to work with the best!

We provide local resources for builders and their buyers, serving as an extension of your sales team so there is on -site coverage and ready access to our professional Mortgage Consultants. Co-marketing programs help generate traffic to your new home communities; and tools like Loan Q to help ensure communication throughout the loan processes.

When you partner with On Q, you are supported by a team of experts in the builder side of the mortgage business and we are dedicated to working in partnership to grow your business!

Whether it is a residential subdivision or condominium project, On Q has the product lineup, experienced leadership, operational support and dedicated and trained Mortgage Consultants to help builders do what they do best – sell more homes.