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Your Home Loan Journey Starts Here

Experience the Q Home Loans difference: Expert guidance, competitive rates, and personalized service backed by industry-leading market intelligence. Get pre-approved in 24 hours with fast local closings in as little as 21 days.*

25+
Years Experience
$2B+
Loans Funded
10,000+
Families Helped
5.0
Client Rating

Why Choose Q Home Loans?

We combine local expertise with industry-leading technology to deliver an exceptional mortgage experience

Fast Approvals

Get pre-approved in 24 hours with fast local closings in as little as 21 days*

Competitive Rates

Competitive rates powered by MBS Highway market intelligence

Expert Team

23 experienced loan officers across 4 PNW locations

Personalized Service

Dedicated support from application to closing and beyond

Trusted by Homeowners Just Like You

See why families across the Pacific Northwest choose Q Home Loans for their mortgage needs

5.0 Rating81+ Google ReviewsView All Reviews

"Ally was amazing and very informative. She took the time to explain every step along the way that made sense for us financially! She never rushed through anything and always made sure we felt confident in our decisions. Her kindness and professionalism made the entire process smooth and stress-free. I highly recommend working with her if you want someone who truly cares about your financial well-being and makes the home buying process as easy as possible to understand!"

HH

Holly Hamer

5 days ago

"Ron & Kalvin Thomas were excellent and informative guides through the usually arduous process of getting a home loan. They made it as easy as possible for me, and all was handled promptly and smoothly. They helped my son a few years ago and I knew I wanted to work with them again!"

DH

Dinah Henderson

1 month ago

"I cannot begin to state how amazing Chad has been. He calmly walked me through a huge financial decision and made me feel comfortable the entire time. He kept me updated continuously throughout the process, and made fantastic recommendations for a variety of services needed when closing on a home. I am tremendously grateful for his sound advice. Additionally, Chad is well respected, and has many great connections and relationships across the area, and it truly pays off! He helped us close on our home over a week earlier than we anticipated. His team is caring, courteous, knowledgeable, and professional. I absolutely recommend Chad Thomas for anyone needing mortgage services."

CS

Cory Slater

2 months ago

"Marcus was amazing. He made sure we had all the information on time. Stayed in contact to make a dream become a reality. Thank you marcus from the bottom of our hearts, The Payne Family is forever greatful for everything you did to make it happen."

AS

Alexandra Stickney

3 weeks ago

"Mike was more than amazingly helpful! I'm 62 and still have several years still in my custody. I have been renting this same house for 25 years. Circumstances made the owner need to sell. I was so lost and had no idea where to start. Mike and his team walked me through every step with patience and expertise."

MJ

Mike Johnson

2 weeks ago

Frequently Asked Questions

Get answers to common questions about mortgages, rates, and the home buying process

At Q Home Loans, we can typically get you pre-approved within 24 hours. Our streamlined process and experienced team work quickly to review your financial information and provide you with a pre-approval letter that strengthens your offer when you're ready to make an offer on a home.
Credit score requirements vary by loan type: • FHA Loans: Minimum 580 credit score (3.5% down) or 500-579 (10% down) • VA Loans: No official minimum, but most lenders prefer 620+ • USDA Loans: Typically 640+ credit score • Conventional Loans: Usually 620+ credit score We work with borrowers across the credit spectrum and can help you understand your options based on your specific situation.
Down payment requirements depend on the loan type: • FHA Loans: As low as 3.5% • VA Loans: 0% down for eligible veterans • USDA Loans: 0% down for eligible rural properties • Conventional Loans: Typically 3-20% We can help you explore down payment assistance programs and find the best option for your budget.
Q Home Loans proudly serves homebuyers across six western states: Washington, Idaho, Arizona, Oregon, Montana, and Nevada. We have local branches and loan officers who understand the unique real estate markets in each state and can provide personalized guidance for your home purchase or refinance.
Typical documents needed include: • Recent pay stubs (last 30 days) • W-2 forms (last 2 years) • Tax returns (last 2 years) • Bank statements (last 2 months) • Photo ID • Proof of assets Our team will provide you with a complete checklist and guide you through the documentation process to make it as smooth as possible.
Yes! Self-employed borrowers can absolutely qualify for a mortgage. We'll typically need 2 years of tax returns, profit and loss statements, and bank statements to verify your income. We have experience working with self-employed professionals and understand the unique documentation requirements.
Pre-qualification is an informal estimate based on self-reported financial information, while pre-approval is a more thorough process where we verify your income, assets, and credit. A pre-approval letter carries more weight with sellers and shows you're a serious buyer. We recommend getting pre-approved before house hunting.
With Q Home Loans, you can close in as little as 21 days for local transactions. Our experienced team, efficient processes, and strong relationships with local title companies and appraisers help us close faster than the industry average of 30-45 days. Timeline may vary based on property type and loan complexity.

Ready to Get Started?

Get pre-approved in 24 hours with fast local closings in as little as 21 days.* Our team is ready to help you achieve homeownership.

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