The borrowers you can serve at Q.
Q's program range spans conventional, government, jumbo, and non-QM scenarios. This page is about who you can serve as an LO here — for full underwriting detail, each card links to the program page.
A borrower category for nearly every scenario.
Conventional
Strong-credit borrowers who want the lowest long-term cost and removable mortgage insurance.
See the program pageFHA
First-time and credit-rebuilding borrowers who need a more forgiving credit and down-payment path.
See the program pageVA
Veterans, active-duty service members, and qualifying spouses using their VA entitlement.
See the program pageUSDA
Buyers purchasing in eligible rural and suburban Texas areas under USDA income limits.
See the program pageJumbo
Borrowers financing above the conforming loan limit.
See the program pageNew Construction
Borrowers building a custom home, including one-time-close and two-time-close structures.
See the program pageRenovation
Buyers or homeowners financing a purchase (or refinance) and the renovation in a single loan.
See the program pageHome Equity
Homeowners looking to tap equity in a property they already own.
See the program pageDSCR
Real estate investors qualifying on property cash flow instead of personal income documentation.
See the program pageBank Statement
Self-employed borrowers who qualify on bank-statement deposits instead of tax-return income.
See the program page1099
1099 contractors and gig-economy borrowers whose income does not fit a traditional W-2 file.
See the program pageP&L
Self-employed borrowers who qualify using a CPA-prepared profit-and-loss statement.
See the program pageAsset Depletion
Asset-rich borrowers, including retirees, who qualify by converting liquid assets into income.
See the program pageITIN
Borrowers without a Social Security number who file taxes using an ITIN.
See the program pageForeign National
Non-resident borrowers purchasing property in Texas.
See the program pageFix-and-Flip
Investors purchasing and rehabbing a property for resale.
See the program pageBridge / Hard Money
Borrowers who need short-term financing to close before a sale or refinance completes.
See the program pagePortfolio / Blanket
Investors financing multiple properties under a single loan.
See the program pageShort-Term Rental
Investors qualifying a property on its short-term or vacation-rental income.
See the program pageLooking for full underwriting detail on every program? Browse the complete Q Mortgage loan-program library.