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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*

Best 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

"I’ve worked with Ron Thomas for over 25 years, and as a Realtor for more than 25 years myself, I can say he is truly the best in the business. Ron is an outstanding communicator and educator who knows how to get even the toughest loans funded. From entry-level to high-end loans, the loan amount never matters—he delivers great pricing and flawless execution every time. If you have a closing date, Ron will not miss it. I recommend Ron and his team without hesitation."

Brad Boswell

Brad Boswell

3 weeks ago

"Bill is amazing! As a real estate broker, I've personally have used him as a lender on a home I purchased. He thorough and explains all of the different options that are available to you. He's not pushy or overbearing. He's supportive and very knowledgeable about the mortgage industry. He will take time on weekends and after hours to get things done. He's even helped a client while he was on vacation. He deserves more than 5 stars!"

Sandra King

Sandra King

2 weeks ago

"Camden Homes has done a lot of business with Q Home Loans over the past 15 years. We have worked with Ron Thomas and his team, and the experience has been smooth and easy every time. Ron is a detail guy that doesn't miss the small things that most do. Our clients have appreciated the willingness of Q Home Loans to find a way when others couldn't, their honesty and quick feedback set them apart. In a time where it's hard to find good honest people to do business with Ron Thomas is the guy!"

Steve Huettl

Steve Huettl

3 weeks ago

"I have worked with Ron Thomas of Qhome loans for over twenty years. He did not start out with Q home loans and I have followed him wherever he has moved to. What I love about working with Ron is he is so accessible. Anytime during the day nights, weekends, even when he's out of town. Because sometimes real estate doesn't wait.You have to know the answer right away. He has worked on some pretty tough loans and some easy loans. What I have learned about Ron and Qhome loans is that he helps Buyers get to where they need to be to qualify. He's creative and he thinks outside of the box. I have a saying that if Ron can't do it...no one can. And once my clients have used Ron, they stay with him."

Maria Walker

Maria Walker

3 weeks ago

"Top notch! Q Home Loans, specifically Ron and Kalvin, always go above and beyond to find creative solutions that give my clients the best and most competitive financing options. Communication is clear, timely, and honest. For an amazing local Spokane lender, these are your guys. Thank you for your service!!"

Courtney Pajimola

Courtney Pajimola

3 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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