Mortgage by Q — Get Started
Mortgage by Q Symbol Mortgage by Q
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West Capital Lending
💬 Co-Pilot Mode ON — Q's assistant is guiding you. Tap Co-Pilot again to turn off.
Getting started ~4 min to finish
Welcome to MBQ

What are you hoping to accomplish?

Tell us your goal so we can guide you to the right loan. Takes about 4 minutes.

Ask them: "Are you looking to buy, get cash out, refinance, or open a HELOC? If they're not sure, ask what their goal is — pay off debt, renovate, invest?"
Loan basics

How much are you looking for?

Rough estimate is fine — we'll refine it together.

$
Not sure? Enter your best guess. Q will help you dial it in.
Ask them: "Roughly how much are you thinking — a ballpark is totally fine. We'll refine it on the phone."
The Property

Where's the property?

Start typing and we'll find it for you.

Address
We'll pull the estimated home value and property details automatically.
Ask them: "What's the address of the property? Just start typing — it'll autocomplete."
City
State
Zip Code
Property Details

What kind of property?

Pick the one that fits.

How will you use it?

Your Home Today

Tell us about the property.

Rough numbers are perfectly fine.

About what's it worth today?
$
Current 1st mortgage balance
$
Owned free & clear? Enter 0.
Year purchased
Monthly taxes + insurance
$
Nice — save your progress

Who should we reach out to?

So Q can call you within 5 minutes of finishing. We'll also text you a link so you can pick this up later if needed.

First Name *
Last Name *
Cell Phone *
If you've talked to us before, we'll pre-fill the rest.
Say: "I need your cell number so Q can call you within 5 minutes. And your email for the confirmation."
Email *
Identity — the fast way

Skip the typing.

Snap your license and we'll auto-fill your name, birth date, and address. Or type it in — your call.

or type it in
Middle Name (optional)
Birth Date *
Social Security Number *
🔒 Bank-level encryption. Used only for the credit check.
Say: "I need your social security number so we can pull credit. This is fully encrypted — we treat it like a bank." Common concern: "This is a soft pull first — it will not hurt your credit score. Q only does a hard pull once you've agreed to move forward."
Home Address
Only if different from the property above.
A few more details

Almost there — quick basics.

Required for your application.

Marital Status *
Any dependents?
Citizenship *
Are you a military veteran or currently serving?
If yes, you may qualify for a VA loan (better rates, less down).
Co-Borrower

Anyone applying with you?

Spouse, partner, or family member also on the loan?

Income

What's your monthly income?

Just a rough total to start. We'll get into detail on your call.

or estimate manually
Total gross monthly income *
$
Before taxes. Include all sources — W2, self-employed, rental, SS, retirement.
Main employment type
Assets

About how much do you have saved?

Cash, checking, savings, retirement, investments — combined estimate.

Total liquid + retirement assets
$
Rough estimate is fine. Q will verify with statements after your call.
Do you own any other real estate?
Rentals, second home, land, or investment properties.
Credit

Ballpark your credit score?

A rough estimate helps us match you to the right lender. Q will do a soft pull to confirm — no impact to your score.

Legal Declarations

Just a few quick confirmations.

Most people answer "No" to all of these. Tap to expand only if any apply to you.

Say: "These are just standard legal questions — most people answer no to all of them. If any apply to you, tap to expand that section and mark yes. We'll cover the details on the call — no judgment either way."
Any recent financial hardships?
All No
Declared bankruptcy in the past 7 years?
Property foreclosure or deed in lieu in the past 7 years?
Pre-foreclosure or short sale in the past 7 years?
Any outstanding judgments against you?
Presently delinquent on any Federal debt?
Other loans, mortgages, or credit activity?
All No
Applying for another mortgage on or before closing?
Applying for any new credit before closing?
Is any part of the down payment borrowed?
Are you a co-maker or endorser on a note?
Obligated on any loan that resulted in foreclosure?
A few standard confirmations
All No
Will you occupy the property as your primary residence?
Ownership interest in another property last 3 years?
Consent

Review & Authorize

Please review the statements and authorize us to proceed with your application.

By checking the boxes below, you authorize Mortgage by Q and its partner lenders to pull your credit report (soft pull only, will not affect your credit score) and verify employment and asset information to determine mortgage pre-qualification.

Application Submitted!

Thank you. Q's team has received your application. We are running an initial pre-qualification assessment and will call/text you in approximately 5 minutes.

Q
Mortgage by Q Assistant
Online · Ready to call
✓
Application Submitted Just now
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Credit Soft Pull & Automated Review In progress
3
Personal Consultation & Pre-Approval ~5 min
Loan Purpose
—
Estimated Amount
—
Applicant
—
Status
Under Q-Review
Q
Q's Assistant AI
Online
AI Coach Hello! I'm your application coach. Ask me any question as you fill out the application, and I'll clarify what's needed!
Need to finish later? We can send you a secure login link so you don't lose any progress.