LOAN PROGRAMS

Every loan program Q Mortgage offers.

From first-time-buyer FHA to investor DSCR — we structure the loan that closes.

Modern brick suburban Texas home with manicured lawn

Government-backed

FHA, VA, and USDA.

Federally insured or guaranteed loans built around accessibility — lower down payment, more flexible credit, and clear underwriting rules.

FHA Loans

Best for first-time buyers with lower down payment and 580+ FICO.

VA Loans

Best for veterans, active military, and surviving spouses — zero down.

USDA Loans

Best for rural and select suburban Texas buyers — zero down.

Conventional & Jumbo

Agency standard and above.

Conforming and non-conforming options for borrowers with standard credit profiles, structured for the home you are buying.

Conventional Loans

Best for buyers with strong credit and 3–20% down — agency standard.

Jumbo Loans

Best for higher-priced Texas homes above the conforming limit.

Construction & Equity

New builds, renovations, land, and equity.

For buyers building, renovating, or unlocking equity from an existing Texas home.

New Construction

Best for ground-up builds — OTC and TTC structures available.

Construction & Renovation

Best for major renovations rolled into a single mortgage.

Land Loans

Best for raw land, lot, and acreage purchases in Texas.

Home Equity Loans

Best for cash-out against existing Texas home equity.

Specialty Programs

Built for borrower profiles agency underwriting misses.

Profession-specific and documentation-flexible primary-buyer programs for Texas families conventional underwriting cannot serve cleanly.

Medical Professional

Best for MDs, DOs, DDS, DMD — up to 100% LTV, no PMI, IBR-friendly.

ITIN Loans

Best for Texas borrowers without an SSN but with valid ITIN and tax history.

Tip Worker Loans

Best for service-industry workers qualifying on real bank-deposit income.

Expanded Program (Non-QM)

Hub for the full Non-QM menu — start here when conventional says no.

Non-QM Programs

Alt-doc and investor financing.

Non-QM (Non-Qualified Mortgage) products use alternative income, asset, or property qualification. Most are investor-leaning — listed last so primary-residence buyers see Government and Conventional first.

Bank Statement Loans

Self-employed qualifying on 12–24 months of deposits.

P&L Loans

Self-employed qualifying on a CPA-prepared profit-and-loss.

1099 Loans

Contractors qualifying on 1099 income alone.

Asset Depletion

High-net-worth borrowers qualifying on liquid assets.

DSCR (Investor)

Real estate investors qualifying on the property’s rent ratio.

Fix-and-Flip

Short-term financing for residential flips with a clean exit.

Bridge / Hard Money

Short-term capital while a longer-term loan is being arranged.

Portfolio / Blanket

Single loan covering multiple investor properties.

Short-Term Rental

STR-specific underwriting using projected nightly revenue.

Foreign National

Non-US-resident foreign nationals buying in Texas.

Not sure which fits?

We will look at your situation across the full menu before recommending one — no sales pitch, no single-program tunnel vision.

Talk to a Texas broker