The last lender you’ll ever need.

Welcome to On Q Financial.

Finally, Mortgages Simplified

The last lender you’ll ever need.

Welcome to On Q Financial.

Finally, Mortgages Simplified.

Our Mission

We’re simplifying the mortgage process and making the dream of homeownership a reality. For everyone. We believe The Dream is Inclusive™.

Why we do it

You want your dream house and we want to help you get there. That’s why we’ve built the most intuitive lending experience in the U.S. From low rates to the best in customer service and technology, you’ll never feel alone again in your home buying process. Here to help every step of the way, the mortgage experience has never been simpler than when you’re with On Q.

Home is where On Q is.

We bring our hearts with us into every interaction.

At On Q Financial, we make Mortgages Simplified™. On Q Mortgage Consultants provide you with outstanding counsel and guidance. Our streamlined process and superior customer service eliminate the confusion, stress, and delays often associated with other mortgage companies.

When you’re with us, you’re home.

How we do it

Low, low rates and excellent service.

Believe us, we understand that the home buying process can be complicated. That’s why we separate ourselves from other banks and lenders by making our loan process as quick, simple, and transparent as possible. The cornerstone of our business is providing low mortgage rates for our clients. We secure the best options for you, every time. And you don’t even have to ask.                                                                                        

Service and technology made for your future.

It’s a new decade and you need mortgage technology that doesn’t feel like it’s from the roaring 20’s. On Q Financial empowers you with our Simplicity mobile app and with Mortgages Simplified, our automated verification process. Apply, scan, send documents, and receive loan updates all from your phone. Stay in contact, check your progress, and see mortgage payment options. Get your mortgage your way, anytime, anywhere. Welcome to the future.


  • Available wherever you are, whenever you are
    • Contact your Mortgage Consultant directly, any day, any time.
  • Transparent and trustworthy rate quotes
    • Avoid the smoke and mirrors you’ll find elsewhere. Only upfront rates here.
  • Loan estimates when you need them
    • Type in your qualifying data and receive your rate quote remotely.
  • Never get lost again
    • Life happens everywhere, so we do too. Log in from wherever you are any time to see exactly where you’re at in the process and keep moving toward the finish line.

Mortgages Simplified

Say goodbye to paperwork, and hello to the simple life. No need to run around searching, printing, copying, and delivering documents. Simply connect your accounts using our Mortgages Simplified automated verification process and we’ll take care of the rest. Learn more about Mortgages Simplified.

More ways to say yes with On Q

  • Upfront Loan Pre-approvals
    • Go beyond a prequalification with our upfront underwriting to put your best offer forward.
  • Delegated Lending Programs
  • Low Down Payment**
  • Occupancy & Property Solutions
  • Qualifying Solutions

The Dream Is Inclusive

At On Q Financial, we believe in making the dream of home ownership INCLUSIVE – to everyone! We strive to enable all Americans from any background to have the opportunity to own their dream home. On Q is the first in the industry to have full multilingual lending support for Spanish, Russian, and Simplified Chinese. We also have dedicated multilingual marketing, mortgage consultants, and support staff. In 2019, we introduced our Dream Is Inclusive Scholarship – three scholarships in celebration of the languages we offer under our Multicultural Advantage program.

On Q Gives Back

As a reflection of our mission to be the best independent mortgage banker in the industry, we’ve created On Q Gives Back. This is our way of helping those in our communities that are most in need. It is our deep belief that The Dream is Inclusive™. Whether it’s through sponsoring charity events, or rallying for company-wide supply drives, we are constantly placing On Q Gives Back at the top of our priorities. Read more about how we’re affecting charities across the U.S.


For over 15 years, On Q Financial has been partnering with realty agents to offer their clients competitive mortgage rates. Realtors enjoy flexible loan options, smooth closings, and a consistent experience they can trust when working with us. Learn more about why Realtors love On Q Financial.


On Q’s Builder Division is your partner in construction mortgage services. Whether you’re a builder or developer, On Q can help deliver a best-in-class home buying experience. From application to closing, On Q leverages all of our tools and resources to help you sell homes. Learn more about why Builders love On Q Financial.

Who We Are

Leadership Team

John Bergman

John Bergman


Before opening On Q Financial in 2005, John Bergman originated and funded 450 units a year as a loan officer. He founded the company with just $1M of personal life savings—committed to his vision for building the best independent mortgage organization in the industry.

Most importantly, John Bergman is a visionary leader– always thinking of ways to improve On Q. He has learned that agents of change are critical. Individuals who act as catalysts for change are the leaders that can make a company special, and we have many leaders with these attributes at On Q. We move fast and rapidly improve, striving to get better at what we do every day.

Shirley Boynton

Shirley Boynton

Senior VP, Compliance

Shirley has been in the real estate industry for over 30 years. Her adventure with On Q began in 2009, as the Operations Manager of the Scottsdale Operations Center. Because of her vast knowledge of Mortgage Lending and the need for a strong compliance platform, she was promoted to Senior Vice President of Compliance in 2011. As a leader vital to the growth of On Q, Shirley has remained dedicated to insuring the company has a healthy compliance program.

As part of the executive team, she is focused to driving the success of the firm through collaboration and innovation of all business units.

Juan Rodas

Juan Rodas

Senior VP, Capital Markets and Fulfillment

Juan has been in the mortgage industry since 2004 and has developed multiple origination channels spanning across all Retail and Third Party platforms. His scope covers all facets of the mortgage life cycle. He also has Treasury/Finance experience and has worked through M&A transactions on both the buying and selling side. Juan has successfully implemented various technology solutions, conversions, and process improvements. He brings leadership, forward thinking and new ideas to On Q. Juan leads Capital Markets and Fulfillment with a focus on profitability and risk management while creating innovative solutions to scale the business.

Shane Miller

Shane Miller

Senior VP, National Sales Manager

Shane Miller has been in the business for nearly two decades and with On Q since 2013 and has consistently been a top producer with the company. He brings both leadership and team player mentality that he cultivated while he served in the Army. He leads On Q’s sales team through service and growth, as well as expanding into untapped markets. His goal is to continue to deliver world-class service and innovative tech while breaking into new markets. Miller brings leadership, experience, and attention to detail to On Q as he continues to help the company continue to grow and break the mold in the mortgage industry.

Brenda Hedeen

Brenda Hedeen

Chief Financial Officer

Brenda has been a Finance Leader in the mortgage industry for 6 years with 15 years of experience in finance, accounting and business management. She saw an opportunity to challenge industry norms and joined On Q due to the culture of results-driven innovation.
Brenda focuses on continuous improvement toward efficient processes and productive relationships, ultimately creating a solution-based culture that drives and protects net margins. She brings her leadership, experience, and tenacity to make On Q the best independent mortgage lender in the country and continue to make the dream of home ownership a reality for everyone.

Join On Q Financial Today!

An On Q career could be the perfect opportunity for you. Our success over the past decade is largely due to our vision to hire the best people in the industry. Are you among them? If so, let’s talk!
*Terms and conditions apply. Payment for missed closings will be paid within 30 days after closing. Closing delayed due to the availability of appraisers in the area will not be eligible for this program. See
**Although there are low down payment options, additional funds may be due at closing. Information and program terms and conditions are subject to change without notice. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply.