30 Year
Fixed Rate

This is a fully amortizing program with a fixed interest rate over the life of the loan.



These programs allow for lower down payments, and flexible credit package guidelines.


First Time
Buyer Loans

Special programs may be available to you and your spouse if you are a first time home buyers.



The VA programs allow for zero down payments & flexible guidelines for our veterans.


Easy application
even on the go

—   Simple process, less waiting

It's hard enough finding a home to fall in love with and that's why we have an easy to use system to get your rate on the go. Complete you application online or in person. It's quick, easy, and most importantly secure.

24 hour approval

—   Fast rates on the go

We will help you qualify, apply and be approved for the right mortgage loan for you. If you're pre-approved you're set to E-Sign your application to confirm your mortgage.

Enjoy your Dream Home

—   Start your move

That's it! You've reached the finish line so you spend less time worrying about funding your home, and more time enjoying it. We'll finish processing your loan and help you prepare you for your new home.

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Who We Are

HQM Loans is a new kind of mortgage company taking a fresh approach to lending and client relationships. From digital solutions to transparent services, we're all about helping our clients achieve the highest level of success when it comes to home ownership. Whether they’re looking to buy a home or refinance a loan, HQM Loans works to empower our clients.

We've been able to eliminate obsolete systems and unnecessary fees so we can operate at a fraction of the cost and pass those savings on to our clients. Empowering clients to make the right decision because we believe that pride of homeownership should never be at the cost of sacrificing one's happiness.

About Us
Awards speak to the consistent expertise and success we represent within our industry. HQM Loans is proud to recognize Matthew DiBrino, John Fornino, and Daniel Casasnovas on their success. Five Star conducts market-specific research throughout the U.S. to identify service professionals who demonstrate professional excellence and provide quality services to their clients. The Five Star Mortgage Professional program is the largest and most widely published award program for mortgage professionals in North America, covering more than 40 major markets. The Five Star Professional research team contacted thousands of recent homebuyers, consumers and industry leaders to identify New Jersey-area mortgage professionals who stand out in their industry and community.
HQM Loans offers tailor-made support for evaluating the creditworthiness of clients. Our advanced reporting features help you strike the best deal when you’re applying for a loan by:

Determining your income status and affordability range, prior to loan application

Helping you search for the loan and residential property well within your range

Providing you with an added leverage when buying a home

Making your offer look more appealing and appealing to sellers and lenders


"Easy, Simple, and Reliable"

— Tiffany Holmstead

Working with the team at HQM Loans couldn't have been any better. My first home buying experience was easy, simple and reliable because of the process they've implemented to make sure it was seamless. Would definitely recommend!"

  • Christina Keating
    I have worked with Matt several times both with purchasing a home and refinancing. He has always been responsive and helpful throughout the entire process, as are the rest of his staff. They make a complicated process as simple as possible, and are a pleasure to work with. I can't say enough positive things about everyone at High Quality Mortgage!
    Christina Keating
  • Timothy Day
    Have been through Mortgage & Refinance process at least a dozen times - Matt and HQM Team make usually dreadful tasks seamless!! HQM Team is the most professional and efficient mortgage firm/bank I have done business with. Highly recommend them!!
    Timothy Day
  • Mark Facciollio
    I want to thank Matthew and the entire HQM Team. My refinance process was seamless and extremely easy. They handled everything with ease and explained everything in detail from start to finish. I highly recommend them for all your mortgage needs. I'm glad we did and will continue to work with them in the future.
    Mark Facciollio
  • Samantha F.
    Matt is the absolute best! My husband and I were first time buyers and he worked with us to lower our debt and raise our purchase price. He answered every one of our questions with a fast response. Matt made the process extremely smooth and stress free. You won’t regret working with him!
  • Ornella Rodolico
    I can not express enough on how wonderful Matt and his team was. They went over and beyond their job description, they became not only my mortgage rep but my best friend. They respond immediately when ever I called, they did not delay on anything. No surprises either they kept their made no false promises. I will never go to anyone else.
  • Antoninio Rodolico
    This was my first purchase, I knew nothing, but I did not have to because Matt walked me thru every step, explained everything and kept all the promises he made. I cant thank him and his team enough. He was down to heart and treated me like we were friends for years.
  • Anthony G.
    Matthew and his team at HQM loans were beyond exceptional during our process of buying our new home. They were focused, diligent and caring throughout the entire process. Matt and his team made buying a home exactly what it should be, enjoyable and exciting. Our family is so grateful for choosing HQM loans for our mortgage. We highly recommend Matthew and the HQM Loans Team!
  • Tom M.
    Where do I begin. I'm sure not many people expect to go through 3 closings in one year period, but that's exactly what happened to us. We did a refinance on our last home around 6 months before selling and worked with Matt and the HQM team. Everything was super convenient which is huge for our family as we are both working, so its hard to take the time out for documents and paperwork. We closed as quick and painless. We then ended up selling that house and worked with Matt again on our closing. Just as smooth as usual and lowest rates and closing cost among the 3 places we shopped him against (I don't care how good of a relationship we have, I always get at least 3 estimates) including my bank. I thought it would end there, but Matt kept us in mind and when the rates went through the floor, he reached out to check in with me and there we were working on closing #3 in. And just as last time, shopped him and again, easily the lowest rates and closing costs. Just like the other times, he was quick and efficient and start to closing, around 30 days with a rate that was .35% less than the rate we had before. I've recommended him to friends and family and now i'm recommending Matt and HQM to you.
  • Andrea Mangarelli
    Matt and HQM made this process so easy for me and my husband that we would use them again ! Matt locked us in quickly on a great rate and we closed very quickly .
  • Rhett B.
    Matt and his team were always available through our home search and buying process. he took time away from personal events and answered every question we had no matter when we asked. he is very professional and i would highly recommend him if you are looking for someone to help you through your home search.
  • Walt B.
    Matt and his team made my initial finance and then a refinance a few years later the smoothest and easiest it could possibly be. He is always available for questions or concerns and addressed our needs perfectly and professionally.
  • Saranda Petanaj
    As a person with no previous experience purchasing a home I was new to the whole process. I decided to trust the recommendation we received for John, and I never regretted it. Actually John and his team deserve more than 5 stars. The cooperation was fantastic from start to finish. John is very knowledgeable, patient, kind and professional! His responsiveness is within minutes, and him and his team explain everything in detail to ensure you understand the whole process. Uploading documents on the company's website is super easy as well. Thank you John for your expertise and my overall excellent experience with mortgage shopping and closing. You have made me one happy homeowner.
  • Ben Aronson
    John and his team were amazing. I had to refinance my mom’s home to cover some medical bills and moving costs. John was organized, diligent and informative in helping us get the refi done in 2 weeks start to finish - with the best rates and lowest costs. I HIGHLY recommend HQM.
  • Christa-Lee
    Let me start by saying this is a long overdue review. My friend recommended Johnny to me after I struggled to resolve what I could possibly afford. There were a lot of uncertainties but he was able to lay it all out for me and show me how it could all be possible. Johnny was VERY patient. Going through a high-risk pregnancy he was very keen on trying not to overburden me with the stress of buying a home. He was more than a Broker, he became a genuine friend. In the end he bent over backwards for us to get the home we wanted and I will be forever grateful to him. Thank you Johnny :)
  • John B.
    John and his team were amazing. He walked me through the entire process, was always available, and extremely knowledgeable. Buying a home is never easy, and, quite frankly, he was the only person who made this less of a hassle. He went above and beyond to ensure I felt comfortable with the process. He was impartial in the sense that he was there to help me, rather than making me feel like I was just "another sale". He was happy to answer any of my questions, and he is very personable which helped me feel more comfortable.
  • Darrick and Jennifer
    What can I say from the beginning of the pre-approval to the time of purchasing our first home, John and his team at HQM loans were absolutely fantastic, professional, knowledgeable and always courteous . They answered all our questions immediately, either by phone or email. The whole process was smooth and headache free. We were very impressed by the John and his team. If you need a mortgage please contact John you will not be disappointed wonderful mortgage company. Thank you John and your team for a fantastic job.
  • Cynthia Rodriguez
    I recently worked with Johnny on my first home mortgage loan. I had a wonderful experience working with Johnny and his team. From beginning to end, he showed exemplary professionalism and dedication in handling my home mortgage loan application. Johnny was very informative, knowledgeable, and attentive to my financial needs. He was very reliable and even when facing a few obstacles in the process, he was ultimately able to successfully secure my loan. I could not have done this without Johnny. I highly recommend Johnny and his company to any future home buyers.
  • Jason Patula
    I wanted to take a minute to share my experience working with John Fornino and his team at HQM. My wife and I had the pleasure of working with John on our recent purchase of a new home in Wayne. From the very beginning, John was very patient and proactive in helping us get prepared to make our best offer on the home of our dreams. Throughout all the twists and turns of securing our mortgage commitment, John was always ready and willing to help and explain what needed to be done. We will always be grateful to John and the folks at HQM for providing outstanding service from beginning to end.
  • Wesley Stone
    It has been a great pleasure to have John Fornino and the rest of the team at HQM on my side when shopping for my first home loan. After several other mortgage companies continuously fell short of my expectations, HQM was finally able to get it done for me. After I thought I had exhausted all options and feeling discouraged, HQM was like a breath of fresh air. They were able to fix my credit and get me an interest rate lower than anyone else was able to do. HQM stepped in at the right time and blew the competition away. They made the applying for a mortgage process easy and enjoyable. John Fornino and the rest of the team were available whenever I needed them and were able to address any questions or concerns I had. Thanks to the team at HQM I was able to put my family into a home we all love with the loan terms we were searching for.
  • Steve H.
    John and his team were great to work with. They were always available to answer any questions I had and were able to help me push up my closing date a couple days which really helped. Everyone in the office was very knowledgable about the process and they really went the extra mile to help me understand everything since it was my first time buying a home. I would highly recommend HQM to anyone looking for a great experience in getting a mortgage.
  • Jehan Chambers
    I don't think 150 characters are enough to describe the dreams that John and his team make happen! We are finally in our dream home and it would not have happened with them! Every single person works together like a well oiled machine. From Ricky making house calls to pick up docs & Nick working late nights to meet every condition, even with all the last minute surprises that could have derailed us, John & his team got this train right back on track avoiding every possible wreck! The way he managed the process btw my sale and purchase was absolute magic! I can't thank him and his team enough.. We have made friends for life, I am forever indebted!
  • Louie C.
    Working with John Fornino and his team from High Quality Mortgage was an amazing experience! They are knowledgeable and personable lenders who know truly care about their clients. Once I found the right house for me, it was smooth sailing right up to the closing. I’ll always call HQM for any of my real estate needs.

Learn More About Us

HQM Loans is a new kind of mortgage company taking a fresh approach to lending and client relationships. From digital solutions to transparent services, we're all about helping our clients achieve the highest level of success when it comes to personal accomplishments and home ownership. Whether they’re looking to buy a home or refinance a loan, HQM Loans works to empower our clients in accomplishing their goals and dreams.

By leveraging technology, we've been able to eliminate obsolete systems and unnecessary fees so we can operate at a fraction of the cost compared to other lenders and pass those savings on to our clients. Empowering clients to make the right decision is what we do, and it's because we believe that pride of homeownership should never be at the cost of sacrificing one's happiness.

About Us
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