On Q Home Loans

On Q Home Loans On Point, On Time, On Q! Guaranteed Rate, Inc. dba On Q Home Loans, NMLS ID #2611; Operating as Guaranteed Rate, Inc. https://www.nmlsconsumeraccess.org/

D/B/A OnQ Home Loans in Arizona & Oregon and as On Q Residential Home Loans in Montana.

08/31/2026

Thinking about buying a home or refinancing, but unsure what current market news means for you? The latest market numbers show home prices staying strong while the Fed keeps a close eye on inflation. These shifting conditions can actually create unique windows of opportunity for smart buyers. Having a tailored strategy is the key to navigating today's real estate landscape with confidence. Contact On Q Home Loans today to discuss your goals and explore your options.

08/27/2026

"Gosh!"

We channeled our inner Napoleon Dynamite when Nick Ochoa accepted our offer.

Welcome our new VP of Mortgage Lending.

Skills, talent, and probably great nunchuck abilities.

08/24/2026

Thinking about waiting for the market to change before you buy a home? You might be missing out on one of the best wealth building opportunities available. Even though home sales and construction slowed down recently, home prices continued to climb. This steady appreciation highlights how owning real estate helps build powerful long term equity over time. Waiting on the sidelines could mean paying higher prices later for the exact same property.

Smart buyers look past short term shifts and focus on their long term financial goals. Let us review your budget and map out a personalized homebuying strategy tailored to you. Contact On Q today to get started on your homeownership journey.

Build your dream home with as little as 3.5% down! Think building a new home is out of reach? Think again! With an FHA O...
08/21/2026

Build your dream home with as little as 3.5% down! Think building a new home is out of reach? Think again! With an FHA One-Time Close Construction Loan, qualified buyers can build a brand-new home with as little as 3.5% down.

· As little as 3.5% down payment options
· 580 minimum credit score
· One loan. One closing. One simple process.
· Perfect for buyers looking for flexible credit guidelines

From purchasing the land to handing you the keys, On Q Home Loans is here to guide you every step of the way. No construction experience? No problem. We'll walk you through the entire process!
Ready to stop dreaming and start building? Let's talk about your FHA Construction Loan options today!


Four Programs. One Dream. One Closing Table.No two homebuyers are the same, so why settle for a one-size-fits-all constr...
08/18/2026

Four Programs. One Dream. One Closing Table.

No two homebuyers are the same, so why settle for a one-size-fits-all construction loan?

At On Q Home Loans, we offer FOUR One-Time Close Construction Loan options, giving you the flexibility to build your dream home with the program that fits your goals.

VA – 0% Down for eligible Veterans and Active-Duty service members
USDA – 0% Down for qualified properties
FHA – 3.5% Down payment options with flexible credit guidelines
Conventional – As little as 5% Down payment options for qualified buyers with strong credit

· One Loan
· One Closing
· One Simple Path from Dirt to Dream Home

Whether you already own land or you're starting from scratch, we'll guide you every step of the way—from finding the right financing to handing you the keys.

Ready to build? Let's find the construction loan that's right for you!

08/17/2026

Thinking about buying or selling soon?

The housing market may be showing signs of a shift. Home sales have remained surprisingly steady despite higher borrowing costs and year-to-date sales are up from last year. Even a modest drop in mortgage rates could bring more buyers back into the market. If you're considering a move, let's build a mortgage strategy now so you're ready when the market shifts.

Contact us today to get started!

08/12/2026

To quote the philosophy of the legendary Bruce Lee, "Be Water."
Adapt. Move. Grow.
Now we welcome our own Bruce Lee, VP of Business Development.
The team just got a little more fluid.

08/10/2026

The latest jobs data is giving us a clearer picture of where the economy is headed.

Staying informed helps buyers and homeowners make confident decisions. If you have questions about what today's market means for you and your plans to buy or refi, let's connect

Before you sign with a builder... let's make sure you're set up for success!One of the biggest mistakes we see is buyers...
08/05/2026

Before you sign with a builder... let's make sure you're set up for success!
One of the biggest mistakes we see is buyers signing a construction contract before they know which loan program fits their goals.

Here's a better plan:
· Bring us the lot.
· We'll bring the loan options.

We'll review:
· The lot address
· Your estimated build budget
· Your financial goals

Then we'll match you with the construction loan that makes the most sense—whether it's:
· VA
· USDA
· FHA
· Conventional

In most cases, we'll let you know the same day which option is the best fit.
Don't guess. Don't sign first. Let's build your financing plan before you build your home.

Send us the lot address and your estimated build cost today, and let's get you on the path from blueprint to closing table!

Contact your loan officer today!

08/03/2026

The market is always changing—and understanding what those changes mean can make a big difference.

Here's a quick snapshot of this week's biggest headlines. If you're wondering how current market conditions could affect your buying or refinancing plans, let's connect!

Address

14275 N 87th Street
Scottsdale, AZ
85260

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+18666673279

Website

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