News & Articles

Are you tired of watching your hard-earned money disappear into your landlord’s pocket every month? While renting offers flexibility and freedom from maintenance responsibilities, homeownership might be the smarter financial move in the long run.

Saving for a home while renting can feel overwhelming, especially in New Jersey, where the cost of living is higher than the national average. But with a strategic approach, you can set yourself up for success and achieve your dream of homeownership. Here are five...

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...

If you’re a homeowner (or planning to become one), you probably already know that a mortgage payment is a huge part of your monthly budget–but what exactly are you paying for each month?

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.

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...

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...

As we enter 2025, borrowers and investors alike are eager to understand what’s in store for mortgage rates, housing prices, and affordability.

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...

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...