vector image of two men in hardhats looking over a blueprint beside an undersized house under construction

Builder Services

Find out how On Q Financial offers world-class mortgage solutions for our Builder partners.

An Outstanding Construction Lender for Builders

On Q’s Builder Division is your partner in construction mortgage services. From application to closing, On Q leverages all of our tools and resources to help custom and production builders and developers sell homes and deliver a best-in-class home buying experience!

On Q’s targeted programs, products, and services help to meet the specific needs of new homebuilders and their buyers. We even offer a one-time close construction loan. Our high-touch, ‘Client First’ approach and our dedication to timely closings are only two reasons why homebuilders and developers across the country are raving about On Q Financial.

Guided with construction industry expertise, you’re supported by a team of advisors and experts in the builder side of the mortgage business to help you grow your business. Our team serves as an extension of your sales team, through local on-site coverage, and customized solutions to help generate traffic within your new home communities.

More Ways to Say Yes To Your Clients

With more qualifying solutions, we are able to provide more opportunities for homeownership. As a result, your products will be able to benefit more buyers. From condominiums and manufactured housing to conforming and non-conforming loans as well as down payment programs we have many different products. Our goal is to create an opportunity for everyone to make the dream of homeownership a reality. It is our strong belief that the dream of homeownership is inclusive.

On Q Financial can originate using both conforming and non-conforming Products. We offer standard products such as FHA, VA, and USDA construction loans.  If your borrower has a complicated credit history or financial situation we can work with them. We offer non-conforming options with flexible qualifying guidelines for borrowers in unique circumstances. For larger home purchases we offer Jumbo products and if your borrower needs down payment assistance we offer zero and low down payment options as well. Our qualifying solutions are simply unmatched in the industry.

We offer this product to create opportunities for condo buyers. Nothing is more exciting than building a home from scratch or getting in on the ground floor of a project. Thanks to our condo programs you can offer a condo purchase as an option to homebuyers.

Just some of Our Partners

One-Time Close Unlike Any Other

With On Q, you have access to a One-Time Close Construction Loan. If your client is looking to build the home of their dreams, you can start here. On Q Financial’s One-Time Close Construction Program combines the construction and permanent financing into one loan to simplify the process!

On Q Financial offers the following one-time close construction program loan types: FHA, USDA, Conventional, and VA.

The benefits of On Q’s One-Time Close Construction Close include:

  • One set of fees to cover the construction financing and the permanent mortgage.
  • The loan converts from the initial construction loan to a permanent loan once construction is complete.
  • Only sign one set of closing documents, which covers both the interim construction phase and the permanent loan.
  • Offered on Conventional, FHA, VA and USDA loans

Why Builders Love On Q Financial

The difference between success and failure is a great team. At On Q Financial, we want to join forces with you to help turn your dream into a reality.

We are a nationally recognized mortgage company licensed in 46 states. We maintain an impressive 4.9 star rating on both Google and Zillow. When you join forces with us, you will experience an optimized and elevated level of business you’ve never known before. All it takes is a quick phone call to start, so contact our Builder Division today!

Your On Q Builder Team

Donna
Timmerman

VP, Builder Services

Donna Timmerman has over 35 years of experience in the mortgage industry, with approximately 20 years managing the Builder Division before joined On Q. She has taken on roles in Operations and Sales in her time in the mortgage industry that have helped her to be involved in every facet of the mortgage industry. Donna joined On Q in February 2009, and she’s currently responsible for managing 6 On Q Branches in Arizona while recruiting and running the On Q Builder Team.

Her passion has been instrumental in expanding the footprint of On Q’s custom and production builders nationwide. Her Builder Team specializes in targeted programs, products, and services to meet the specific needs of new home builders and their buyers by seamlessly evolving with market conditions. This empowers On Q’s brand by delivering best-in-class home buying experience.

Donna was raised in the Midwest on a farm and now resides in the East Valley here in Arizona.

NMLS 258381, AZ LO 0914525

Caroline
Goyke

Builder Business Development Manager

Caroline Goyke has over 25 years of experience in the builder industry working with developers, landowners, banks, and affiliates across the nation. Her past experience has included Subdivision Title and Escrow Service, Project Management, Operations, and Business Development for builders. Caroline is active in the National Home Builder Association and numerous Chapters nationwide, ULI, HomeAid Orange County, NAHREP, and more! She joined the On Q Family in June 2018, and her experience and passion have made Caroline a key member of the On Q Financial Builder Team.

Caroline was born and raised in Chicago, and when she’s not working, she’s enjoying sporting events, boating, traveling, and cooking.