Our TPO Division offers common sense underwriting with minimal overlays and a competitive edge to drive your business. Our team is the perfect mixture of financial industry veterans with decades of TPO experience, solid leadership with an emphasized focus on white glove service and communication. On Q Financial has dedicated resources to provide the best-in-class service for all your lending needs.
After Hours Lock Desk We offer 24-hour lock updates and extensions, lock desk support and TBD’s on locks.
TBD Review Any submission of a TBD loan goes to our underwriting team where a full conditional loan approval is issued. We require minimal documentation for submission.
Underwriting Approval Calls Your assigned processor will send a meeting where your team and ours will go through the full loan approval answering any questions you may have regarding the approval.
COMING SOON 2023 Pre-close review of Condo Projects for delegated loans at a minimal cost. Our Project Review team will work with the necessary parties to obtain all documentation needed.
Get best-in-class service and partnership with On Q Financial, LLC’s Wholesale and Correspondent Lending division. We pride ourselves on our communication, consistency, customer service, and competitive pricing.
On Q Financial’s Third-Party Originations (TPO) division provides multi-channel approval including Wholesale, Non-Delegated and Delegated focused on serving mortgage brokers, emerging bankers, community banks, and mortgage banks/private sellers. We are a direct GNMA issuer and FNMA/Freddie approved seller offering Conventional, FHA, VA, and USDA products.
Our Wholesale Division works directly with independent mortgage brokers to optimize the process from start to finish. On Q Financial, LLC provides Mortgage Consultants with an enhanced customer service experience.
We offer FHA, VA, USDA, and Conventional Products for mortgage bankers and borrowers. In addition to our expanded product set, we offer services like On Q Processed loans where our processing team does the heavy lifting with your borrowers. Not only can we process your loans, we offer welcome calls with our underwriting team for an in-depth discussion on your approvals in order to simplify the mortgage process and take the guesswork out of the conditions. Our competitive pricing is available in Ready Price and Optimal Blue/LoanSifter with minimal adjustments on FICO’s greater than 620.