About Charlene Rawson
After 30 years spent mostly in food service, I was brought into mortgage lending in 2001 by the loan officer who helped me purchase my Washington home. After a year renting my dream home, with the plan to purchase in a year or two, the owner suddenly decided to sell…immediately. The purchase proved to be an extremely difficult transaction due to bad timing and poor preparation. It seemed like a miracle to find Maureen, my loan officer, first because she managed to overcome any and all obstacles encountered on the way to closing, and then for teaching me how to help others in the same way. Personal experience has taught me that the equity someone owns in his or her home can be used to expand real estate holdings, make improvements to a home, or to restructure existing debt and improve a homeowner's cash flow. Whatever purpose or loan type fits a borrower's needs, my team can help. Conventional, FHA, VA, USDA, Construction and Non-Conforming are all loan types in my toolkit. But regardless of the type of loan needed, owning a home is an individual's the first step to financial security. My realtors and clients say that my commitment to teaching prospective homebuyers, especially first-time homebuyers, how to prepare for the home purchase experience and homeownership, and support given through the purchase process is what sets me apart from most loan officers they know. Perhaps because my own purchase was so stressful, it's become my personal mission to protect my clients from having a similar experience. I moved to the Puget Sound area in 1998 from eastern North Dakota where my sister and her family still live. My free time is spent with my children and grandchildren, in my garden, and helping at my church where I do most of the cooking and sing in the choir.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
Your monthly payment would be
$ 0.00
*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. On Q Home Loans cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact On Q Home Loans for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. On Q Home Loans does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by On Q Home Loans. On Q Home Loans its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 421 Main Street, Lisbon ND, 58054
