Where does On Q Financial do business?

On Q Financial is a direct lender based in Scottsdale, AZ. The company was founded in 2005 and offers mortgages to borrowers in 50 states across the USA (and Washington, DC).

How much can you borrow via On Q Financial?

On Q Financial allows borrowers to apply for loan amounts of up to $3,000,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What range of rates does On Q Financial offer?

On Q Financial offers home loans with APRs starting at 4.238% .

Does On Q Financial charge a mortgage origination fee?

Yes, On Q Financial may charge a loan origination fee.

Does On Q Financial charge prepayment fees?

Yes, On Q Financial charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What mortgage programs does On Q Financial offer?

On Q Financial offers the following mortgage programs:

  • Conventional mortgages
  • FHA
  • USDA
  • VA

What property usage types does On Q Financial allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. On Q Financial allows the following property usage types: 

  • Primary home 

  • Intended Use
    Primary Home
  • Primary Residence
  • Estate/Trust/Retirement
  • Loan Amount
    Up to $3000000
  • APR
    Starting at 4.238%
  • Terms
    10, 15, 20, 25, 30
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