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Wholesale and Correspondent Lending

Our TPO Division offers common sense underwriting with minimal overlays and a competitive edge to drive your business. We focus on simple loan delivery for all channels with specialized teams with decades of TPO experience. On Q Financial has dedicated resources to provide the best-in-class service and partnership. We pride ourselves on the 4 C’s communication, consistency, customer service, and competitive pricing.

Wholesale LendingCorrespondent Lending

WHOLESALE LENDING

Our Wholesale Division works directly with independent mortgage brokers to optimize the process from start to finish. On Q Financial, Inc 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.

CORRESPONDENT LENDING

Our Correspondent Division offers several delivery options which includes both Non-Delegated and Delegated: Delegated Bulk Mandatory Trade, and Non-Delegated and Delegated Best Efforts. We offer a vast product set which allows borrowers down to a 530 score for FHA and VA (580 for USDA) with maximum LTV’s. On Q Financial, Inc focuses on allowing our seller partners to maximize their weighted average yields on their production by aggressively pricing in GNMA lower FICO grade and Conventional and GNMA High Loan Balances.