Texas-licensed and local
Headquartered in McKinney, licensed by the Texas Department of Savings and Mortgage Lending. Your file is worked by people who know your county, your title companies, and your appraisers.
BUILT IN TEXAS. ENGINEERED TO CLOSE.
Mortgages built for Texas families. FHA, conventional, VA, USDA, and refinance — engineered to close even when other lenders walked.
Serving DFW, Houston, Austin, San Antonio + surrounding cities — see full list →
- 24-hour pre-approval
- 100+ DFW agent partners
- Texas-only since 2024
The Texas advantage
Local. Licensed. Built to close.
Three doors. One straight path to closing.
Buying a Home
Pre-approval, program selection, and a structure that closes.
- FHA from 3.5% down
- Conventional from 3% down
- VA with zero down
Refinance
Lower your rate or pull equity — without the runaround.
- Rate-and-term refinance
- Cash-out refinance
- Streamline programs
Loan Programs
Every Texas-eligible loan type, in one place.
- Government and conventional
- New construction and equity
- Specialty + non-QM
Pre-approval that closes the deal.
We structure your file before we issue the letter. That is why our pre-approvals hold up — in multiple-offer rooms, with hesitant listing agents, and in underwriting. Most of ours come back within 24 business hours, with a path to clear-to-close already mapped.
We work daily with more than a hundred DFW real estate agents. They send us their hardest deals because we tell them yes or no fast — and when we say yes, the deal closes.
24h
Pre-approval window
100+
DFW agent partners
30+
Years tech-consulting
$0
Application fee
See your numbers before your offer.
Free, instant, and honest math — no email gate, no fake teaser rates.
Three reasons Texas families pick us.
We close difficult deals
Self-employed income, gift funds, recent credit events, multi-program stacks — we structure files other lenders pass on. If a deal can be closed responsibly, we will close it.
Built on tech, not paperwork
A 30-year technology background means a cleaner pipeline: no five-day delays for a missing doc, no surprises in week three. You see the same status we see.
Pick the program. We’ll structure the file.
FHA Loans
Best for: First-time and credit-rebuilding buyers
Conventional
Best for: Buyers with 620+ FICO and standard income
VA Loans
Best for: Veterans, active-duty, and qualifying spouses
USDA Loans
Best for: Buyers in eligible rural Texas areas
Jumbo
Best for: Loan amounts above conforming limits
Refinance
Best for: Lowering rate or tapping equity
Texas families trust Q Mortgage.
Real client stories coming soon. We will only post testimonials with explicit permission and verified outcomes.
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Real client testimonial — coming soon.
Client name · City, TX
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Real client testimonial — coming soon.
Client name · City, TX
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Real client testimonial — coming soon.
Client name · City, TX
Ready to start your Texas mortgage?
Pre-approval in 24 hours. Free home valuation in seconds. Real answers either way — we will tell you yes, no, or here is what we need to make it work.