Gustavo E. Saballos   NMLS# 433988   State License FL#LO-12583

Gustavo E. Saballos
On Q Mortgage Consultant

About Gustavo E. Saballos

I’m Gustavo E. Saballos. As an experienced mortgage professional I have guided many families through home related financial success since joining the industry in 2001. My favorite part about being a mortgage consultant is helping people make the American Dream come true.

Availability to clients, frequent and responsive communication set my service apart from the rest. I also pride myself in my “out of the box,” problem solving abilities. I strive to always answer the phone when my clients call, because we’re in this together from the first call to final closing.

To ask questions or get started on your mortgage, please call, text or email me, or apply online.

What I Want You to Know

Every day, I bring integrity, creativity and energy to work with me. This helps me develop creative solutions for my clients. Which helps get financing with a mortgage product that fits their current needs and goals for the future. With the immense complexity of mortgage loans, one size does not fit all. I love using my experience, extensive training and knowledge of the many loan options. Most of all this helps me tailor a situation that best meets my clients’ personal and financial goals.

What Sets Me Apart


My team and I are always available to assist clients via phone, text or email. I keep them abreast of the status of their loan with frequent updates and am accessible to answer questions.

I love the people aspect of my job. Though the mortgage process can be stressful, I focus on alleviating any stress or concerns and creating an exciting, positive experience for my clients.

My Story

I have lived in St. Petersburg, Florida since 1997. I am married and have two beautiful daughters, Adriana and Gabriella. We recently adopted a kitty. His name is Fed, after Roger Federer, the best tennis player in the world. The whole family actually plays tennis. Most of all we love traveling, snowboarding, wakeboarding, fitness and the beach.

What My Clients Are Saying

  • "Gustavo and his team are AWESOME! I used him to buy my first home and he was so helpful to the new process. He even came to our apartment to bring us paperwork we needed to fill out! That's above and beyond for sure! When we decided to buy a second home there was no question - we would use him again. He is in constant clear communication about everything he needs, what you need to do and gives you clear numbers to make it happen. Nothing is confusing! Our loan was very slightly delayed because of hurricane Irma - but he was back on it immediately after the storm passed. He texts, calls, and emails you back immediately! We would certainly use him to buy our third home for sure!"

    - Megan G

  • "Gustavo moves at the speed of light! I've honestly never worked with a more efficient and professional lender. I owe the purchase of my new home to Gustavo's response time. I was awarded the contract solely based on the fact that my offer was received first. Gustavo watched out for my best interests throughout the loan process and answered all of my questions in detail. He made me feel safe and secure and like I was his only customer. Truly impeccable service."

    - Katherine B.

  • "Gustavo and his team were amazing to work with. He listened to my needs and was there every step of the way. They kept me in the loop weekly with a status report. Home buying was a very stressful process but one thing I didn't have to worry about was my loan because I know I had a Gustavo and team Supporting me. He even showed up to my closing! Professional friendly prompt...I highly recommend for anyone purchasing a home. Thank you, Gustavo!"

    - Jamie

  • "I really enjoyed working with Gustavo and his team. He was accessible on the weekends and adapted to my best form of communication (text). He was very responsive and knowledgeable. His transaction coordinator Ashley checked in with me constantly and stayed on top of the deadlines. This was my first time buying a home and they made the process easy. We closed on time!"

    - Zaira126

  • "Gustavo is great! He took the time to thoroughly explain the process and every fee with us. He got us quickly approved so we were competitive in a very difficult market and he helped us close quickly when we finally found a house. When he says he is going to do something, his word is good as gold. He was always reachable by either email, telephone, or text. He and his assistant, Ashley, were great throughout the entire three months that my wife and I worked with them. I highly recommend him and his team to anyone else."

    - N. Kramer

  • "This is the second home that we've purchased using Gustavo. He's quick to respond and was happy to answer any questions we had during the purchase process. We even received frequent updates on the status of our loan. Gustavo made the process of buying our home smooth and stress-free."

    - Meg M.

  • "Gustavo and Ashley were out of this world amazing in helping us through the loan process. Gustavo and Ashley sent weekly updates on the loan process to keep us informed. They were pretty much available 24-7 by personal cell or email to answer any questions/concerns we had along the way (there were many!) Outstanding services! Outstanding people! We went to Gustavo because he was highly recommended to us – and now we highly recommend working with Gustavo and his team! Thank you guys for helping us get into our new home!"

    - Jess F.

  • "On Q and Gustavo Saballos worked on every detail of the loan to make it easy to understand. He answered all my questions in a timely matter. Not only my questions but all of my wife questions (believe me) she had lots of questions. When time to close came by Gustavo's Loan process sheet was very friendly to understand where the stage of the loan was."

    - Antonio

  • "Buying a house is usually pretty tedious. Right? All I can say is Gustavo and his team at On Q Financial made it as easy as it possibly could be! This team had all the qualities you would want - professional, experienced, knowledgeable, punctual, quick responses, and friendly! They understand customer service! I highly recommend this group...thankful to have worked with them and will use them again in the future if I need to buy or sell :)"

    - Linden A.

  • "Gustavo and his team (especially Ashley) did an excellent job. As first time homebuyers we had tons of questions and they both were quick to answer and extremely patient. Gustavo went above and beyond to provide us with monthly payment estimates on demand, no matter the hour we contacted him. Thank you Gustavo and Ashley for making this usually stressful experience pain-free."

    - user7965914

  • "This is the 2nd time Gustavo helped us with our mortgage. He is quick to respond any time of the day. He and his whole team really took the stress out of our refinance with over the top communication all alone the way. I would recommend him to anyone."

    - Doug W.

  • "Gustavo and his transaction coordinator Ashley are absolutely spectacular at what they do!! This was my first home buying experience and they walked me through everything step by step. All questions answered no matter how big or small, and I could always count on an immediate response (if it was a reasonable hour of the day or night of course). These two, and the rest of the On Q Financial staff were my ultimate dream team! They all made my goal of owning my own home a reality. Thank you all so much for everything! I will definitely be recommending and using you guys in the future for my next loan!"

    - hurleygirl516

  • "I've done four real estate transactions in St. Pete over the past 10 years; the last one with Gustavo Saballos as our mortgage broker. This was by far the smoothest and most stress-free of the bunch. He had us updated on the process all the time. He always seemed to have information we needed before we knew to ask. We felt informed and comfortable from start to finish."

    - user6618286

  • "Gustavo and Ashley worked very hard to make our transaction happen. As a self employed individual, my financial documents are not as simple as just showing copies of pay checks but Gustavo and Ashley verified exactly what I needed to provide and when I had to provide it to keep the planned closing date. They even gave me regular status updates to advise me of the progress or if any additional information was required by the underwriter. Easy as following steps, 1,2,3."

    - jeb726

  • "Gustavo and his team were an amazing group of professionals to work with. They were in constant communication throughout the entire process, gave us regular updates as to the status of our loan and quickly responded to any questions we had along the way. I would highly recommend Gustavo and his team to anyone looking to buy a home or refinance a mortgage in the near future!"

    - Melissa W.

  • "Gustavo and his team are the utmost professionals and did everything in their power to ensure our loan was approved and that our closing was able to happen in record time. They were in constant communication throughout the entire process, gave us regular updates as to the status of our loan and were always readily available to answer our questions. I would highly recommend Gustavo and his team to anyone looking to buy a home in the near future!"

    - user9032098

  • "Gustavo and his team were wonderful. They were able to help me and my husband with the purchase of our dream home. Gustavo and his team were only one call away if we ever needed any assistance. Thanks On Q!"

    - Kylie J.

  • "Gustavo, Ashley, and the Q Financial Team were so helpful in my process of buying my first home! Always available and willing to go above and beyond to get everything done on time. I can't thank them enough!"

    - Roge C.

  • "Gustavo and his entire team blew me out of the water with their response time and with how easy it was to buy my home. I went into the process thinking I would be more stressed than I ever would be, anticipating the nightmare of paperwork and hoop-jumping I thought I'd have to go through. In reality, this was easier than buying a car! They answered every question I had, kept me (as a first-time homebuyer) informed of what the next step was and gave deadlines for every step along the way. It was smoother than butter and I have to believe it's because this team is a well-oiled machine! Use them!"

    - M. Torrens

  • "Gustavo, Ashley and the rest of the team at Q financial proved to be extremely efficient and knowledgeable throughout the entire process. They worked diligently to make our lending process smooth and to ensure that we met every deadline. Communication was great and I was updated consistently about the progression of our loan.

    Their dedication to clients and hard work is what set them apart from other lenders. We highly recommend Gustavo and his team for anyone who is looking to obtain a mortgage."

    - Enrico J.

  • "Gustavo and the On-Q team really blew away my expectations. Everyone knows homebuying is stressful, from missed opportunities to the intangible waits, when it comes down to it you want the lending process to be the least of your troubles. That's exactly what On Q did for me, practically worked miracles and closed so fast i couldn't believe it. At the end of the day you need a lender that's on your side that has a "lets make it happen" attitude. Come with your files in order and your info complete (do your part!) and On Q will amaze with how easy it was to make such a big life event happen. Home ownership within reach, and you will appreciate their knowledgeable and no-nonsense approach. There's nothing more i could ask of them, really worked with me very closely, kept me in line and paved a smooth path to the finish line. Thank you Gustavo & Ashley and the whole On Q team!"

    - Trenton S.

  • "Gustavo and his team were a pleasure to work with. They brought a very organized approach to the lending process. We explored many different structures for financing and were able to successfully execute a creative structure that worked for all parties. Thank you Gustavo."

    - user89641817

  • "Gustavo and his team made the lending process so easy. Selling, packing, moving, closing etc can all be so stressful, it helps to have such a knowledgeable, dependable, and professional team to make the process seamless. His assistant, Ashley even stayed on top of my loan when she was at home sick. I highly recommend Gustavo and will definitely use him for future purchases."

    - Lori P.

  • "Bought a condo in Florida while I live in New Jersey. They were in constant communication with me and guided me through. I had done the pre-qualification prior to putting in a contract for sale. Gustavo was very helpful in his knowledge of the various condos and their rules since I was purchasing this unit for a rental. The staff was exceptional with all the details. Much Appreciated!"

    - Ryno1324

  • "Gustavo and his team were AMAZING!! Very thorough explaining what they needed and had excellent communication with us weekly, sometimes daily to get what we needed to close on time! Would definitely recommend him and use them in the future!"

    - zuser20150408191052335

  • "When I first spoke with Gustavo I told him I was pricing out mortgage rates with other lenders. Not only was he able to beat the competition but he was quick to respond, friendly, and very knowledgeable. I also had a lot of questions trying to decide what loan type was best for my family. He took the time to explain each one until I felt the best choice presented itself. He and his team kept me informed every step of the way through the home buying process. I would not hesitate to recommend Gustavo to friends and family."

    - meredith978

  • "This is my 2nd purchase through Gustavo and I wouldn't go anywhere else for financing. He is responsive, knowledgeable, as well as his team. They kept me updated all the way through the process, assisted me with challenges that came up and covered all the bases. Closing took placed exactly as scheduled and planned. I will recommend Gustavo."

    - Crystal W.

  • "Gustavo is not only knowledgeable and a great person, he has such an efficient process in place at OnQ Financial that it made the entire experience a pleasure. I'm a busy self employed business owner and time and efficiency are very important to me. Thanks to Gustavo not only were my mortgage needs met but my time was respected as well."

    - user673347

  • "Gustavo and his entire team are simply the best! They work efficiently and thoroughly. They answered every question I had right away and were always friendly. Even at the closing, the title agent said that she had never had a closing go so smoothly. I will always be appreciative of Gustavo and his team!"

    - Tom7239

  • "Gustavo and his team went above and beyond what we expected for a lender. He was genuinely concerned with getting every bit of what we needed for the process and the loan to close. They were very diligent and responded to my queries or concerns immediately. I recommend On Q Financials to everyone in the market for home loans."

    - Jay B.

  • "Gustavo was referred to us by our real estate agent because we needed a faster than normal closing. Gustavo got us everything we needed in no time! We were originally considering other sources for our mortgage but had to go with Gustavo because it was clear he would get he job done before the other companies. Everything went super smooth throughout the whole process and he kept us informed every step of the way! We will definitely continue working with him on our next purchase!"

    - Caitlin S.

  • "Gustavo is very knowledgeable about the industry. He is patient in explaing the process and his network of colleagues know how to close a deal. He was instrumental in helping me buy my home that I love. I highly recommend Gustavo. I am grateful I found him!"

    - safronep

  • "From the time we first approached Gustavo about obtaining financing for the purchase of our condo, through the actual closing on the property, Gustavo provided excellent service. He quickly managed to obtain a pre-approval for our loan, and secured our final approval so we could close in less than a month. Gustavo, and all the others at OnQ were very pleasant to work with, making themselves available whenever we needed them. For worry free financing, we highly recommend Gustavo and OnQ Financial to anyone who is purchasing a home."

    - CJ P.

  • "This is the third home loan that Gustavo and his team have worked for us on and this was even easier than the last! The Loan Machine and his team just keep getting better and better. Looking forward to many more in the future (but only investment properties, because I am not moving ever again). "

    - ctijanas

  • "This was our second time working with Mr. Saballos and hope to work with him down the road in the future! He is very knowledgeable and skillful from start to finish of the mortgage process. He was responsive to our needs and also quick to provide helpful and informed guidance with some of the more complex decisions. His team is phenomenal and I have to give cudoos to his assistant, Ashley, who helped me with some of the more technical aspects of the process, such as signing a form on line. We recommend Mr Saballos and his group without hesitation!"

    - anncradit5

  • "Gustavo and his entire team helped make our home buying experience easy! They were very patient with all our questions (no matter how many times we asked the same thing!). They answered all our questions, stayed 100% on top of the process and communicated with us on a daily basis. I would absolutely recommend Gustavo for your mortgage needs! "

    - Tracy C.

  • "Can't say enough good things about Gustavo and the OnQ team! They were responsive, informative, and extremely customer focused. They are exactly what we needed to get us through the mortgage and home purchase process. I am extremely grateful for all their hard work. Thanks guys!”"

    - affordableinoldtown

  • "We had a great experience with Gustavo, who was referred by our real estate agent. We filled out our loan application entirely online, which was a great help since we were buying in a different county from where we lived. Mortgages require a ton of paperwork, and Gustavo and his team were helpful and thorough in making sure everything was in order. Our loan was essentially approved several days before the closing date, which made the closing stress-free."

    - mollymoorhead

  • "I can't say enough about Gustavo. He was so knowledgeable about the process and always set the right expectations. He made sure that every detail was covered before our file was submitted to underwriting. There was not a single surprise in the whole process. If there were any surprises they were pleasant surprises. He got us an unbelievable rate and we even closed a couple days early. I wouldn't recommend anyone else for the job. He gets five stars in my book! "

    - jennifereblake

  • "Gustavo and his team are top notch! From the very beginning, (and throughout the mortgage process) I had a multitude of questions that were answered promptly and courteously - this team has a wealth of knowledge. If you're in the market for a home in the St. Pete area/Pinellas county, Gustavo at OnQ Financial is the only mortgage professional you'll need - ever! "

    - zuser20150923031025019

  • "Gustavo was knowledgeable and professional. He found the necessary information about our VA loan and got us through the process in a speedy manner. We could easily get ahold of him when we needed him and he was able to answer all our questions. We would definitely recommend him services."

    - katydavis33

  • "Gustavo helped me purchase my first home and I could not have been more pleased with his service. I first contacted him on a Saturday afternoon and within hours he had a commitment done for me! He was always immediately responsive to any questions or concerns I had, and that continues after closing."

    - TanyaYatsco

  • "Gustavo is simply the best when it comes to Mortgages. He is always available and ready to handle anything you throw at him. He is also connected so it is truly a one stop shop when you are dealing with him. The rates he got for my wife and I were and are still some of the lowest we have seen. I will definitely be using Gustavo for all my mortgage needs in the future!"

    - wbryan10

  • "I worked with Gustavo in 2010 to purchase my first home, I’m working with him on my second, and I’ll work with him on my third. He’s not only a wonderful broker, but an excellent, all around, person. And he’s beyond accessible, which is a huge deal for a first time buyer parting with [what felt like] her entire life savings…and for a second time buyer who almost forgot that parting feeling from the first time. I certainly recommend Gustavo to anyone shopping for a house."

    - cclem83

  • "I have purchased two homes with Gustavo’s financial assistance will be using him on the next one in the future. He’s knowledgeable, focused, deal driven, honest and friendly. That’s what I’m looking for and I would recommend him to anyone who wants to make their home purchase a smooth transaction."

    - ctijanas

  • "We finally found the house we wanted to buy last month. Unfortunately, we weren't pre-qualified for a mortgage yet and we expected strong competition with our house. Gustavo got us pre-qualified within an hour on a Friday at 6pm and we were able to put the first offer in on the home within hours of it being listed. I had been working with a bank for 2 months before that to get pre-qualified but they were slow to respond and slow to request documents or info, didn't know the answers to certain questions, etc. Once our offer was accepted Gustavo was on the ball. He explained everything to us very clearly and was patient as we asked all of our questions. He had to deal with some curve balls because we have international finances as well but he told us exactly what do do about that and it wasn't a problem. The seller gave us a tight financing window (I suspect they got a cash back-up offer and wouldn't have minded if ours fell through) but Gustavo helped us get final approval well before that. Gustavo was truly a pleasure to work with and he made it all very easy for us. We got the same rate we would have gotten elsewhere, paid the same amount in additional expenses, but we definitely got more for our money than we would have anywhere else. I definitely enjoyed working with Gustavo and would recommend him!"

    - Dave F

I pride myself on having an unparalleled professional track record built on integrity, trust, hard work and passion. Call me anytime! I’m ready to go to work for you today.

Gustavo E. Saballos

On Q Mortgage Consultant - On Q Financial

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