FHA 2355600004VA9102010000
TPO Login
'Growth: It Comes From Experience
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 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.

Products that Provide a Competitive Edge

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Conventional

More flexibility and options for well-qualified clients

3%

Down

15, 20, 30 yr

Loan Term

620+

Credit Score

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FHA

Low down payment options and easier approval for non-conventional clients

3.5%

Down

15, 20, 25, 30 yr

Loan Term

530+

Credit Score

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VA

Honoring those who served with exceptional delivery of their benefits

0%

Down

15, 20, 25, 30 yr

Loan Term

530+

Credit Score

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USDA

Simplifying home ownership for moderate income families in rural areas

0%

Down

30 yr

Loan Term

580+

Credit Score

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Home Improvement

Simplified financing for client's looking to upgrade their home

3%

Down

15, 20, 25, 30 yr

Loan Term

Per AUS

Credit Score

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FHA 203(k)

Limited and Standard

One loan for clients who want to buy a real fixer-upper

3.5%

Down

15 & 30 yr

Loan Term

580+

Credit Score

Common Sense Underwriting With Minimal Overlays

Get best-in-class service and partnership with On Q Financial, Inc’s Wholesale and Correspondent Lending division. We pride ourselves on our communication, consistency, customer service, and competitive pricing.

Danielle Susini

VP, Correspondent and Wholesale

Boris Firquain

Boris Firquain

Regional Manager, Correspondent and Wholesale Sales

Western Division
Thomas Lum

Thomas Lum

Regional Manager, Correspondent and Wholesale Sales

Eastern Division
Xiomara Escobar

Xiomara Escobar

Account Executive, Correspondent and Wholesale Sales

California Division
Angela Wooldrid

Angela Wooldridge

VP Margin Management

Billy Trimble

Inside Sales Liaison

Western Division

Angie Wagner

Inside Sales Liaison

Eastern Division

Antoine Tinker

Account Executive, Correspondent and Wholesale Sales

Northern Division

Lynda Kirkman

Account Executive, Correspondent and Wholesale Sales

South Central Region

Michelle Lombardo

Account Executive, Correspondent and Wholesale Sales

Pacific Northwest Region

Jerry Sanchez

Account Executive, Correspondent and Wholesale Sales

Southeast Region