About On Q Financial

Mortgages Simplified™

Our Mission is to Simplify the Mortgage Process to Make the Dream of Home Ownership a Reality.


Homebuyers Love Working With On Q Financial

At On Q Financial, we make Mortgages Simplified™. On Q Mortgage Consultants provide you with outstanding counsel and guidance. Our streamlined process and superior customer service eliminate the confusion, stress, and delays often associated with other mortgage companies.

We Make Your Home Mortgage Process SIMPLER

We are. . . Mortgages Simplified™. With trust, transparency and constant communication, our team fits you with the right home loan solution for your unique needs.

We Make Your Home Mortgage Process FASTER

No one wants to guess when their mortgage loan will close. There is too much to do and too much at stake!

With closing that can be 52% faster than the Average lender, we get you to the closing table On Time—Guaranteed. We move at warp speed to find you the right home mortgage while quickly completing each step along the way to expedite the process.

We Make Your Home Mortgage Process STRONGER

On Q’s innovative and competitive loan programs allow you to put your best foot forward when it comes to home financing. Our Mortgage Consultants are experts in today’s ever-changing housing industry. They are each experienced, NMLS licensed and highly trained by industry leaders to structure a home mortgage to your best benefit.

On Q has all of the ingredients to make your home mortgage experience ideal and hassle-free. We’re efficient and focused on results. Start on the path to your dream home today.

Join On Q Financial Today!

An On Q career could be the perfect opportunity for you. Our success over the past decade is largely due to our vision to hire the best people in the industry. Are you among them? If so, let’s talk!
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Leadership Team

John Bergman

John Bergman


Before opening On Q Financial in 2005, John Bergman originated and funded 450 units a year as a loan officer. He founded the company with just $1M of personal life savings—committed to his vision for building the best independent mortgage organization in the industry.

Most importantly, John Bergman is a visionary leader– always thinking of ways to improve On Q. He has learned that agents of change are critical. Individuals who act as catalysts for change are the leaders that can make a company special, and we have many leaders with these attributes at On Q. We move fast and rapidly improve, striving to get better at what we do every day.

Scott Frommert

Scott Frommert

Chief Financial Officer

Named Chief Financial Officer of On Q Financial in 2014, Scott Frommert is responsible for the financial management of the company. While spearheading Expense Management, Information Technology, and Secondary Marketing, his focus is on automation and process inefficiencies. With over 10 years’ experience in mortgage banking, derivatives, profitability and financials, he believes in driving the highest performance of an organization through culture and implementation of best practices.

As a lifelong learner, Scott enjoys keeping up on the latest macro and microeconomics trends, and translating these into business strategies. However, nothing quite matches the fulfillment he receives realizing how many more people On Q has helped become homeowners each month.

Michael Owens

Michael Owens

Senior VP, National Operations Manager

Michael has worked in the mortgage industry for more than 25 years. Starting out as a Post-Closing Manager, he has held a variety of positions, including Closing Manager, Operations Director, Senior Credit Risk Manager and Director of Real Estate/Due Diligence. Michael joined the On Q team in August 2016 as Regional Operations Manager for the Southeast Region. Michael made an immediate impact in the Southeast Region due to his extensive expertise, his dedication, and his drive to achieve results.

When Michael is not at the office, he is working on his farm in central Georgia, remodeling his home, or cooking.

Shirley Boynton

Shirley Boynton

Senior VP, Compliance

Shirley has been in the real estate industry for over 30 years. Her adventure with On Q began in 2009, as the Operations Manager of the Scottsdale Operations Center. Because of her vast knowledge of Mortgage Lending and the need for a strong compliance platform, she was promoted to Senior Vice President of Compliance in 2011. As a leader vital to the growth of On Q, Shirley has remained dedicated to insuring the company has a healthy compliance program.

As part of the executive team, she is focused to driving the success of the firm through collaboration and innovation of all business units.

Sean Casey

Sean Casey

Senior VP, Western Divisional Manager

Sean Casey has had the pleasure of working in the mortgage industry for over 15 years, holding positions like Mortgage Banker, Production Manager, Branch Manager, Vice President, and currently Senior Vice President – Western Regional Manager. His dedication to On Q Financial centers on being a ‘Coaching Leader’. This means his responsibility and purpose is to invest in the On Q team, cultivating personal and professional growth. Sean’s goal is to coach others to higher levels of performance and effectiveness, while devoting time and resources to develop critical aspect of On Q and its family.

Mike Downing

Mike Downing

Senior VP, Sales and Business Development

Mike Downing brings 40 years of total experience in the mortgage industry.  Prior to joining On Q, he was a Senior Vice President at Chase Home Mortgage for 15 years, responsible for all aspects of retail lending, including business development and profit and loss management of $7 billion of annual closed loan volume. Mike’s addition to the  On Q team in 2010 was instrumental in expanding On Q nationally alongside John Bergman, growing On Q’s volume from just over 322 million to nearly 2.7 billion.

Mike’s mentorship and ability to lead has positively impacted and will continue to enhance development at On Q.

Marcus Davis

Marcus Davis

Senior VP, National Retail Sales Account Executive

Marcus brings over 27 years of experience in the mortgage industry and is poised to lead the retail sales team as On Q Financial aims to triple their annual loan volume over the next few years. Marcus is a driving force for rapidly innovating in ways that disrupt industry norms. As a part of the Sales Team, Marcus helps drive home the purpose behind it all – to help countless families achieve their dreams of home ownership.
Marcus is based in the Sacramento area where he lives with his wife and six children. He enjoys spending time with his family at Lake Tahoe and staying active outside. Marcus is a graduate of the University of California – Davis, where he earned a Bachelor’s degree in Economics.