Stop Overpaying For Your Mortgage: Get Access To Rates Banks Don't Show The Public

Strategy Session

We start with your unique situation - income, credit, down payment, and future goals. Then we build a personalized mortgage roadmap focused on what matters most: lower monthly payments, minimal cash to close, or maximum buying power.

150+ Lender Search

Unlike banks that only show you ONE option, we activate our wholesale network to find deals most borrowers never see. This step typically uncovers $3,000-$8,000 in closing cost savings compared to what major banks offer.

Simple Choice & Smooth Closing

We translate complex mortgage terms into plain English, showing you only your top 3 options with complete transparency. After you decide, we handle the paperwork maze and guide you to closing day with zero surprises.

Ready to get started?

FHA Loan - Miami, FL

"After being rejected by three banks due to my 590 credit score, MortgagebyQ found me an FHA lender with great terms and closed in just 25 days!" - Miguel R.

Mortgage Solutions For Every Stage of Life

At Mortgage by Q, we leverage our access to over 150+ wholesale lenders to find the perfect mortgage solution for your unique situation. As brokers rather than direct lenders, we can offer more options, better rates, and creative solutions that banks simply can't match.

Conventional Loans

  • BEST FOR: Borrowers with good credit and stable income

  • FEATURES: Competitive rates, down payments as low as 3%, loan amounts up to $726,200

  • THE Q ADVANTAGE: We find lenders with the most flexible debt ratio and credit guidelines, often saving you $3,000+ compared to big bank offers

FHA Loans

  • BEST FOR: First-time buyers and credit-challenged borrowers

  • FEATURES: Down payments as low as 3.5%, credit scores as low as 580

  • THE Q ADVANTAGE: We have FHA-approved lenders with more flexible guidelines than many direct lenders, plus creative down payment solutions

VA Loans

  • BEST FOR: Veterans, active duty military, and eligible spouses

  • FEATURES: Zero down payment, no monthly mortgage insurance, competitive rates

  • THE Q ADVANTAGE: Our VA-specialized lenders offer more flexible qualification and can often close faster than traditional banks

Jumbo Loans

  • BEST FOR: High-value properties exceeding conventional limits

  • FEATURES: Financing for luxury homes with competitive rates and terms

  • THE Q ADVANTAGE: Access to portfolio jumbo lenders with creative qualification methods not available at traditional banks

Non-QM Loans

  • BEST FOR: Self-employed borrowers and real estate investors

  • FEATURES: Bank statement qualification, asset depletion options

  • THE Q ADVANTAGE: Most banks don't offer these programs at all - we specialize in finding creative solutions when traditional qualification doesn't work

HELOC Mortgage

  • BEST FOR: Homeowners with low rates who need cash

  • FEATURES: Access equity while keeping your existing low-rate mortgage

  • THE Q ADVANTAGE: Perfect for homeowners with "unicorn rates" below 4% who need cash without refinancing their primary loan

Cash-Out Refinance

  • BEST FOR: Homeowners needing substantial cash for major expenses

  • FEATURES: Transform equity into cash while restructuring your mortgage

  • THE Q ADVANTAGE: We find lenders offering higher loan-to-value ratios and better cash-out terms than most direct lenders

Foreign National Programs

  • BEST FOR: Non-U.S. citizens buying American property

  • FEATURES: Financing without U.S. credit history requirements

  • THE Q ADVANTAGE: Access to specialized lenders that most banks don't have relationships with, creating opportunities other lenders can't offer

Commercial Property Loans

  • BEST FOR: Investors buying multifamily (5+ units) and commercial properties

  • FEATURES: Specialized terms based on property income and potential

  • THE Q ADVANTAGE: Our commercial lending partners offer more flexible qualification based on property performance rather than just borrower credentials

Broker vs. Bank

Why Borrowers Are Switching From Banks To Brokers

BANKS

  • Show you ONE loan option

  • Limited loan programs

  • Single set of qualification guidelines

  • Retail rates with higher profit margins

  • Often slower closing timelines

  • Limited hours, often unavailable evenings/weekends

Mortgage By Q

  • Shop 150+ lenders for you

  • Access to every loan type available

  • Multiple approval options when you don't fit the "perfect borrower" mold

  • Wholesale rates with lower fees

  • Expedited closings when needed

  • Available when you need us - including after hours

Our Bold Promise to You!

The $1,000 Better-Than-Your-Bank Challenge (Enhanced)

Our Ironclad Guarantee: Bring us any written mortgage quote, and we'll beat it by at least $1,000 in closing costs while matching or beating the rate. If we can't, we'll pay YOU $500.

How is this possible? As mortgage brokers, we have access to wholesale rates that banks hide from the public. While they check one rate sheet, we check 150+. This isn't marketing hype - it's the structural advantage of wholesale mortgage access that typically saves our clients thousands.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!

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