We take on the underwriting risk and you handle the rest! Whether you are an emerging banker or seasoned seller, there are certain riskier borrower profiles or products that need added protection; or you may just be limited with capacity and need On Q to provide our underwriting services to offset turn times. Whatever the reason, we are here for you! We know each transaction is different, that’s why we allow multi-channel approval so you can control the direction of your business to mitigate risk and maximize profitability. On Q is here to help you simplify the process!

Our Delegated Division provides high-speed cycle times from delivery to purchase, limited fees, and almost instant funding once a loan is cleared for purchase. On Q Financial, Inc focuses on allowing our seller partners to maximize their weighted average yields on their production by allowing both trade and best effort execution options to gain the highest margin possible. With our trade desk, you send the tape, we commit and register the loans for you, you couldn’t ask for a more simple process. For best effort locks, we use TPO Connect so registering a loan is as easy as 1, 2, 3. Our position as a GNMA issuer and Freddie/FNMA approved seller presents several options for more margin from agency delivery to co-issue agency government while allowing On Q to expand guidelines and bypass additional aggregator pricing.