# Q Mortgage — Texas Mortgage Broker (NMLS #2567464)

> Q Mortgage LLC is a Texas-licensed mortgage brokerage specializing in conventional, FHA, VA,
> jumbo, and non-QM home loans across Dallas–Fort Worth and statewide Texas. The licensed entity
> of record for the Q Mortgage portfolio.

Q Mortgage helps Texas homebuyers, self-employed borrowers, and real estate investors find and
qualify for residential mortgage financing.

Full-text version (every program page's published content, plus the complete agent tool catalog): https://qmortgage.ai/llms-full.txt

## Loan programs
- [Conventional](https://qmortgage.ai/conventional-loan/)
- [FHA](https://qmortgage.ai/fha/)
- [Jumbo](https://qmortgage.ai/jumbo-loan-texas/)
- [DSCR investor loans](https://qmortgage.ai/dscr-loan-texas/)
- [Bank statement (self-employed)](https://qmortgage.ai/bank-statement-loan-texas/)
- [1099](https://qmortgage.ai/1099-loan-texas/) · [Asset depletion](https://qmortgage.ai/asset-depletion-loan-texas/)
- [ITIN](https://qmortgage.ai/itin-loan-texas/) · [Foreign national](https://qmortgage.ai/foreign-national-loan-texas/)
- [Fix & flip](https://qmortgage.ai/fix-and-flip-loan-texas/)
- [All loan programs](https://qmortgage.ai/loan-programs/)

## Buyer resources
- [First-time home buyer](https://qmortgage.ai/first-time-home-buyer/)
- [Buying a home in Texas](https://qmortgage.ai/buying-a-home-texas/)
- [Down payment assistance](https://qmortgage.ai/down-payment-assistance-texas/)
- [Cash-out refinance](https://qmortgage.ai/cash-out-refinance/) · [HELOC](https://qmortgage.ai/heloc/)

## About
- [About Q Mortgage](https://qmortgage.ai/about-us/)
- [Careers](https://qmortgage.ai/careers/)
- [Licensing — NMLS #2567464](https://qmortgage.ai/licensing/)
- [Contact](https://qmortgage.ai/contact/) · [Locations](https://qmortgage.ai/locations/)

## Calculators & Tools
- [Affordability Calculator](https://qmortgage.ai/tools/affordability-calculator/)
- [ARM vs Fixed Rate](https://qmortgage.ai/tools/arm-vs-fixed/)
- [BRRRR Calculator](https://qmortgage.ai/tools/brrrr-calculator/)
- [203(k) Renovation Calculator](https://qmortgage.ai/tools/203k-calculator/)
- [Cash-on-Cash Return Calculator](https://qmortgage.ai/tools/cash-on-cash-return/)
- [DSCR Calculator](https://qmortgage.ai/tools/dscr-calculator/)
- [Fix-and-Flip 70% Rule Calculator](https://qmortgage.ai/tools/fix-and-flip-70-rule/)
- [Home Valuation Tool](https://qmortgage.ai/tools/home-valuation/)
- [Mortgage Calculator](https://qmortgage.ai/mortgage-calculator/)
- [Refinance Break-Even Calculator](https://qmortgage.ai/tools/refinance-break-even/)

## Refinance
- [Refinance Mortgage](https://qmortgage.ai/refinance-mortgage/)
- [Home Equity Loan - Texas](https://qmortgage.ai/home-equity-loan-texas/)
- [Refinance Rates](https://qmortgage.ai/refinance-rates/)
- [Mortgage Refinance Process](https://qmortgage.ai/mortgage-refinance-process/)
- [Mortgage Rates Explained](https://qmortgage.ai/mortgage-rates-explained/)

## Agent tools (WebMCP)
Pages on qmortgage.ai register structured WebMCP tools via `document.modelContext` for AI agents when the feature is enabled (`PUBLIC_WEBMCP_ENABLED`); the current tool set is published as a static manifest at https://qmortgage.ai/.well-known/qm-capabilities.json.
Tools: get_q_mortgage_capabilities, search_loan_programs, get_loan_program_details, compare_loan_programs, find_possible_mortgage_paths, calculate_mortgage_payment, calculate_affordability, calculate_dscr, calculate_refi_break_even, calculate_cash_on_cash, calculate_brrrr, calculate_fix_and_flip, get_required_documents, check_q_service_area, find_relevant_q_resource, start_preapproval, request_callback. The manifest above is authoritative for the tools currently mounted.
Every result is an informational estimate for illustration only, not a credit decision, and requires review by a licensed mortgage professional (Q Mortgage LLC, NMLS #2567464).

## Agent API (callable over HTTP)
The same tool set is callable directly over HTTP — no page JS, no browser — when the server agent surface is enabled. Two front doors, one tool set.
MCP (Streamable HTTP): https://qmortgage.ai/api/mcp
MCP requires `Content-Type: application/json` and `Accept: application/json, text/event-stream` — a POST missing either media type returns 406.
curl -sS https://qmortgage.ai/api/mcp -H 'Content-Type: application/json' -H 'Accept: application/json, text/event-stream' -d '{"jsonrpc":"2.0","id":1,"method":"tools/list"}'
REST mirror: https://qmortgage.ai/api/agent/tools (index) · https://qmortgage.ai/api/agent/tools/{tool_name} (call) · OpenAPI 3.1: https://qmortgage.ai/api/agent/openapi.json · health: https://qmortgage.ai/api/agent/health
Discovery documents: MCP server card https://qmortgage.ai/api/mcp/server-card (media type application/mcp-server-card+json; the same file is at https://qmortgage.ai/.well-known/mcp-server-card) · AI Catalog https://qmortgage.ai/.well-known/ai-catalog.json · WebMCP manifest https://qmortgage.ai/.well-known/qm-capabilities.json
Call get_calculation_assumptions first. It is zero-argument and returns the calculators' published assumptions and disclosure text, plus an illustrative interest rate when one is currently published. Check `illustrativeRatePublished`: when it is false there is no rate to take from this API — ask the person which rate to model, say plainly that the result depends on that assumption, and never invent one. It also reports the property-tax and insurance starting values shown on the calculator pages; the calculator endpoints themselves treat taxes and insurance as zero unless you pass annualTaxes / annualInsurance.
GET example — calculate_mortgage_payment on a $550,000 purchase with $60,000 down (a $490,000 loan), 30-year term, $11,000 annual taxes, $2,400 annual insurance. Replace RATE with the rate the person supplied (or the illustrative rate, when one is published):
https://qmortgage.ai/api/agent/tools/calculate_mortgage_payment?purchasePrice=550000&downPayment=60000&termYears=30&annualTaxes=11000&annualInsurance=2400&interestRate=RATE
POST example — calculate_affordability is POST-only because it takes income figures, which must not travel in a URL:
curl -sS https://qmortgage.ai/api/agent/tools/calculate_affordability -H 'Content-Type: application/json' -d '{"annualIncome":140000,"monthlyDebts":650,"downPayment":60000,"termYears":30,"interestRate":RATE}'
The tools that reach a person — request_callback and schedule_consultation — are POST-only and need the person's attested consent in the request body. Over GET they answer 405 with a handoff: send the person to https://qmortgage.ai/contact/ or (903) 402-5626.
Every result is an informational estimate for illustration only, not a credit decision, and requires review by a licensed mortgage professional (Q Mortgage LLC, NMLS #2567464).

## Sitemap
- https://qmortgage.ai/sitemap-index.xml