Welcome to Q3finance!!!  Please use our Get a Quote feature to compare interest rates, APRs, programs, payments, and closing costs.  Please call Brian Kearney at 612.730.5467 or email brian@Q3finance.com to discuss your options in detail.  I'm broker/owner of Q3finance, have 16 years experience, and work for myself.  We'll go through this together...every step...from application to closing!!  My goal is to provide a STRESS-FREE experience.  With my experience, we'll identify concerns up-front to ensure a smooth ride and on-time closing.  The mortgage process doesn't need to be stressful if you work with an experienced loan officer, like me. 

Proud member of the UpFront Mortgage Broker Association.  Click here to read about what that means.


  • Q3finance is a local Minneapolis company - 16+ years of experience.  We're not an out-of-state lender or call center.
  • You'll receive personal interaction and one-on-one attention.  Deal with me, and only me, from application to closing.
  • The mortgage industry is constantly changing.  You need an experienced person who knows what they're doing..I do!
  • Every situation is unique.  We listen.  We review options together and help you determine the best loan for your situation. 


  • No upfront or junk fees...EVER.  We cover appraisal cost upfront and get reimbursed closing.  If loan doesn't close, you don't pay!
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  • Phone, email, text - it's all good.  Check loan progress and next steps online.  Updated daily - always know what's happening!
  • I actually answer my phone.  When I can't, I return calls, emails, texts right away - mornings, evenings, weekends.
  • I'm always available - ask the person who referred you to me!  Availability is HUGE, especially when you're buying a home!
  • Communication = no surprises.  100% of Q3finance clients stated they'd recommend us to family, friends, and co-workers.


  • 100% of purchase deals have closed ON TIME!  Our goal: FINAL approval a week before closing date! No last minute BS!
  • Refinances close in 30 days or less, when volume permits.  Refinances close in your home or office between 9am-9pm. You pick.
  • 91% of our business is repeat clients and referrals from our family of closed clients.  Everyone gets the "family" deal here.
  • Most importantly, WE CARE!!  We're continually tweaking our process to make it easier for you.   Less paperwork, less hassle.