Happy family moving into their new home
Powered by Barry Habib & MBS Highway

Pacific Northwest Mortgage Lender Serving 6 Western States

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 Rating80+ Google ReviewsView All Reviews

"Ally was amazing and very informative throughout the entire mortgage process. She answered all our questions and made everything so easy 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 Vogt was awesome to work with! He made the entire home loan process smooth and easy. Highly recommend!"

MV

Verified Customer

3 months ago

"Marcus was amazing. He made sure we had all the information on time. Stayed late 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

"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!"

DI

Dinah

1 month ago

"Working with Ron was an exceptional experience. My transaction involved two properties in a 1031 exchange and as always I dreaded the financing aspect of the deal. I was truly surprised at how easily Ron and his team guided me through the process. Truly professional and I would recommend them to anyone."

KJ

Keith Johnson

7 months ago

"Mike was more than amazingly helpful! I'm 62 and still have several kids 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 what to do or where to start! He was there and guided me through it, and made it as easy as he could. We talked many times after regular business hours as I work night shifts, so he would call at 7 am to catch me before I had to go to sleep. I would highly recommend him and his company. Mike has the patience of an angel!"

SB

Sherri Boyd

8 months ago

"Ron and Kalvin make a great team. They keep you very informed during the process and make things as easy as possible. This is the second time I have gone through Ron and his team for a home loan and both experiences have been nothing less than excellent."

CB

Chris Bowles

4 years ago

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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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