ON Q FINANCIAL, INC.
TEMPE, AZ

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. 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. 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 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. Senior VP, Sales and Business Development Mike Downing brings 40 years of total experience in the mortgage industry to On Q Financial as the Senior Vice President of Sales and Business Development. Prior to joining On Q, he was a Senior Vice President at Chase Home Mortgage for 15 years and was responsible for all aspects of retail lending, including originations, business development and profit and loss management of $7 billion of annual closed loan volume. Something to keep in mind is that interest rates today are as much as 3% lower than they were in 1999, when the economy was last doing well. The rate increases mentioned have been about conventional loan rates, yet there are other home loan options that can help home buyers who are nervous about the outlook for the year. An FHA loan is a mortgage that allows for a purchase of a primary residence with a low down payment and is insured by the Federal Housing Administration. FHA loans help families become home owners by lowering the cost of financing and the down payment barrier to buying. Learn more about the opportunities with these loans A USDA home loan is a 100% financing loan backed by the United States Department of Agriculture. It’s aimed at helping home buyers purchase homes in rural developments across the US. 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. 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. 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 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.