house in the snow with a scarf wrapped around it

10 Home Winterizing Tips

Winter is upon us once again, and On Q Financial wants to make sure your home is ready for the weather that comes with it! We’ve put together this simple checklist to help you prevent expensive repairs, save money, and keep you warm all winter long! Check Your Roof and Gutters One of the most […]
paper cutouts of clouds and a house lifted into the sky by dollar signs attached with strings (like balloons)

New FHFA Conforming Loan Limits and What it Means for You

The Federal Housing Finance Agency (FHFA) has announced that conforming loan limits would increase for 2021. As with any announcement of this type, it is filled with industry jargon that may make it difficult to understand what this means. At On Q Financial, we believe in simplicity, so we will decode this announcement and give […]
Woman untying a bow on a gift

What is a Gift Letter for Your Mortgage?

If you are buying a home with not enough money for a significant down payment, you have some options to help bear the financial burden. Aside from down payment assistance programs or discount points, some may have the good fortune to call upon their friends and family for gifts. Rather than toaster ovens or blenders, […]
people fighting against covid when traveling

Is Travel Safe in the COVID-19 Pandemic?

2020 has been an unprecedented year for most. Amid the pandemic, we have seen people carry on, whether it be through new homeownership or resumed air travel. Others have been in a constant state of quarantine. Our traditions and norms have been turned upside down, and with the holidays approaching, many people are asking how […]
simple wooden model of a house balancing upside down on its roof

How to Deal with an Upside Down or Underwater Mortgage

The terms Upside Down or Underwater Mortgage may bring to mind a terrible situation for your home, or you may even associate it with losing your house. While an Upside Down Mortgage is not the best position financially, it is not the end of the world. Read on to learn everything you need to know […]
City land scape of Illinois

10 Most Affordable Places to Live in Illinois

Using Census and Zillow Data, as well as AreaVibes Livability scores, we’ve put together this independent study to find you the best, most affordable places to live in Illinois. Most locations on this list feature homes below $100k. Some are even next to major cities with a higher cost of living like Chicago and East […]