News & Articles

A strong credit score is one of the most critical factors in securing a conventional loan, especially if you want favorable terms and lower interest rates. For prospective homebuyers, boosting your credit can be the difference between a dream home and an out-of-reach loan. Here are some practical strategies to improve your credit score and increase your chances of qualifying for a conventional loan.

Building your dream home from the ground up can be one of the most rewarding experiences in your life. But to make that dream a reality, you'll need the right financial partner. At HQM Loans, we specialize in construction loans that help you create the home you've...

Fixed-rate and adjustable-rate mortgages (ARM) have distinct advantages and challenges based on your financial situation and long-term plans. Here’s a comprehensive guide to help you make an informed choice. What is a Fixed-Rate Mortgage? A fixed-rate mortgage...

When buying a home, securing the right mortgage is important. Asking your mortgage lender the right questions is necessary for making an informed decision. To effectively navigate the mortgage process, consider asking the following questions: 1. What Types of...

Whether you're buying your dream home or refinancing, it's an exciting journey. However, it's wise to gather all the information and advice you can get to ensure you're making the most of your loan potential and that you secure the funding you rightly deserve. Before...

Your credit score is one of the most crucial factors that lenders consider when you apply for a mortgage. This three-digit number serves as a snapshot of your creditworthiness, reflecting your history of repaying debts and managing credit responsibly. Keep reading to...

Buying your first home is an exciting milestone, but it can also be an overwhelming experience, especially when it comes to securing a mortgage. With so many options available and complex terminology, navigating the mortgage maze can feel daunting. However, with the...