Deborah Mercado - On Q Home Loans

Deborah Mercado - On Q Home Loans NMLS: 120166 | On Q Home Loans NMLS: 2611
https://www.onqhomeloans.com/deborahmercado

02/14/2026

However you’re celebrating today, I hope Valentine’s Day gives you a reason to slow down and really take in the people you love.

It’s easy to rush through life, to assume there will always be more time, more conversations, more moments together. Days like today are a gentle reminder that the ordinary moments are often the ones that matter most. Sitting together, laughing, sharing a quiet pause, being fully present without distractions.

Love doesn’t only show up in big gestures. It lives in the everyday ways we show up for one another, in patience, kindness, and simply being there.

From our family to yours, I’m wishing you a Valentine’s Day filled with connection, gratitude, and time well spent with the people who mean the most to you.

01/19/2026

Today we honor the life, courage, and sacrifice of Dr. Martin Luther King Jr.

Dr. King stood for justice, dignity, and equality — even when it came at great personal cost. His leadership and unwavering commitment to peaceful change helped shape a more just nation and challenged us all to live with greater compassion, courage, and integrity.

Martin Luther King Jr. Day is more than a moment of remembrance. It is a reminder of our shared responsibility to lead with empathy, stand up for what is right, and continue the work of building stronger, more inclusive communities.

May we honor his legacy not only with our words, but with our actions.

01/14/2026

When you rent, your monthly payment helps cover a property you don’t own!
When you own, each payment can help build equity, stability, and long-term opportunity for you.

Homeownership isn’t about rushing or perfect timing — it’s about understanding your options and having a plan that fits your life. Whether buying feels close or still a “someday” goal, clarity is the first step forward.

You don’t have to figure it out alone. A simple conversation can help you understand where you stand and what paths may be available.

Ready to explore what owning could look like for you? Let’s start the conversation.

Apply.DeborahMercado.LHFS.com
CALL / TEXT: (360)913-2334

01/13/2026

Don’t make this year about waiting. Make it about starting.

Homeownership doesn’t begin with perfect timing it begins with a conversation and a plan. Whether you’re ready now or just starting to explore your options, we’re here to help you take the first step with confidence.

Home starts here. Let’s talk about what starting could look like for you.

Apply.DeborahMercado.LHFS.com
CALL / TEXT: (360)913-2334

#2026

01/13/2026

Good decisions start with good information. Whether you’re just beginning to think about buying or ready to take the next step, understanding your options can make all the difference. From loan programs to down payment assistance, having the right guidance helps you move forward with confidence.

Home starts here. Let’s talk through your options and create a plan that works for you.

Apply.DeborahMercado.LHFS.com
CALL / TEXT: (360)913-2334

#2026

01/09/2026

Let’s leave these common mortgage myths in the past:
❌ You need 20% down

❌ You need perfect credit

❌ Renting is cheaper long-term

The reality? Many buyers purchase with far less down, flexible credit options may be available, and homeownership can help build equity over time.

If you’ve been holding back because of something you thought was true, it may be time to explore your options with the facts in hand.

Start exploring your homebuyer options today! We are here to guide you every step of the way.

Apply.DeborahMercado.LHFS.com
CALL: (360)913-2334

01/08/2026

This WA fourplex investment property represents the second of three investment transactions. Completed as part of a 1031 Tax Exchange, financed with a DSCR loan, and closed in an LLC on New Year’s Eve.

A DSCR loan qualifies based on the property’s ability to cover its own expenses, using rental income rather than traditional income documentation.

All three transactions were processed concurrently, with 2 of the 3 now successfully closed. The final closing scheduled in the coming weeks while navigating major holidays and compressing timelines.

Huge appreciation for savvy investors and a trusted real estate partner Sandy Noll whose attention to detail and steady communication kept everything moving forward.

CALL: (360)913-2334 Apply.DeborahMercado.LHFS.com

01/07/2026

This beautiful single-family investment property was financed with a DSCR loan and closed in an LLC in Washington State.

A DSCR loan qualifies based on the property’s ability to cover its own expenses, using rental income instead of traditional income documentation.

It was processed alongside two additional investment properties that are part of a 1031 Tax Exchange, all moving forward at the same time.

Two of the three transactions have successfully closed, with the final closing scheduled within the next few weeks while navigating major holidays and tight timelines.

Grateful for these savvy investors and an exceptional Real Estate Broker Sandy Noll whose collaboration and responsiveness made this possible.

Every investment scenario is unique. If you’re considering DSCR financing or planning your next move, let’s have a conversation and map out the best path forward.

CALL: (360)913-2334 Apply.DeborahMercado.LHFS.com


01/06/2026

Home starts here and 2026 is the perfect time to check in on your home financing goals.

Whether you’re thinking about buying, planning ahead, or simply want to understand where you stand, a no-obligation loan review can help you start the year with clarity and confidence.
✔️ Review your current loan

✔️ Explore options and opportunities

✔️ Create a plan for the year ahead

Let’s make 2026 the year your home goals move forward with a strategy that fits your life.

Apply.DeborahMercado.LHFS.com
CALL: (360)913-2334

01/05/2026

When other down payment assistance programs don’t meet your needs, the House2Home program offers competitive pricing and flexible options to apply assistance toward closing costs, down payments, or a rate buy-down.

Receive 3.5% of the total sales price
Down Payment Assistance via a 15-year second mortgage.

Available nationwide, except in NY & WA

We are here to help and can provide an annual review of your current loan or offer guidance on buying a new home. The process is simple, with no obligation. Let’s review your finances today!

Apply.DeborahMercado.LHFS.com
CALL: (360)913-2334


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01/02/2026

Make 2026 the year you finally own the roof over your head!

Whether you’re buying your first home, upgrading, or starting fresh, Land Home Financial Services is here to guide you every step of the way.

We Provide:
✅ Affordable financing options
✅ Down payment assistance programs
✅ Expert support from application to closing

We’ll help you explore the best path forward. Reach out for a no-obligation financial review today!

Already an existing customer? Ask about our Customer Loyalty Program and all the benefits.

Apply.DeborahMercado.LHFS.com
CALL: (360)913-2334
#2026 # NewYear

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14275 N. 87th Street Suite 210-B
Scottsdale, AZ
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