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Agency Products

Learn about the variety of home loan and mortgage options you have with On Q Financial, Inc..

Get the Right Mortgage Product for Your Borrower

On Q Financial, Inc TPO specializes in both government and conventional loan products to suite the needs of all borrower profiles. Our team evokes out of the box thinking including minimal overlays with common sense underwriting/due diligence review. We understand each scenario is different and that's why we have a specialized team to work through those difficult scenarios.

Solutions Centered On You

Discover how we help our third-party origination (TPO) partners grow. Select the line of business we can support for you below:

Wholesale
Lending Non-Delegated
Lending Delegated
Lending

Overlays

TPO Conventional, FHA, VA, and VA minimal overlays and exceptions on a case-by-case basis.

Non-Delegated and Wholesale Overlays

Delegated Overlays

Fannie Mae

Desktop Originator and Desktop Underwriter.

FNMA Standard Conventional Summary

FNMA Homestyle Renovations Product Summary

FNMA RefiNow

Freddie Mac

Loan Product Advisor.

Freddie Mac Standard Conventional Summary

Freddie RefiPossible

Freddie HomePossible Summary

97% LTV PMI Products

Qualified Buyers only need 3% down payment including mortgage insurance. Borrowers required to meet Income limit requirements.

HomeReady (FNMA)

HomePossible (Freddie)

FHA

Limited down payment of 3.5%. Ratios above 50% with AUS approval. FICO credit score of 530 or higher. LP or DU accepted.

FHA Matrix

203k-Limited or Standard 203k available

FHA 203h

VA

VA Loans offer 100% financing for Veterans, Active-Duty, National Guard, or Reserve members. FICO credit score of 530 or higher. LP or DU accepted.

VA Product Matrix

USDA

100% financing for borrowers located within a USDA eligible area and below the USDA income limits. 0% down payment. FICO credit score of 580 or higher.

USDA Product Matrix