News & Articles
With Year-End Nearing, Should You Lock Your Mortgage Rate This November?
Mortgage rates are holding steady near 6.3% heading into the holidays. Discover why November could be the perfect month to lock your mortgage rate before the market shifts again.
How an October Fed Rate Cut Could Shift Mortgage Rates — What Borrowers Should Know
The Federal Reserve is expected to cut rates this October, but what does that really mean for mortgage borrowers? Learn how rate cuts impact mortgages and whether now’s the right time to lock in with HQM Loans.
Why September 2025 Could Be the Most Strategic Month to Lock in Your Mortgage Rate
Mortgage rates just dipped to their lowest point since October 2024, and a Fed rate cut is on the horizon this September. Learn why now could be the perfect time to lock in your mortgage rate with HQM Loans.
What a 6% Mortgage Rate Means for Homebuyers Right Now
With mortgage rates hovering near 6%, millions of Americans are rethinking their homebuying plans. Here’s what today’s market means for you — and how HQM Loans can help you move fast.
What Trump’s Fannie Mae & Freddie Mac Privatization Plans Mean for Borrowers
President Trump’s push to privatize Fannie Mae and Freddie Mac could change how Americans get mortgages. Here’s what borrowers need to know — and how to prepare.
House Hunting with Student Loans: It’s Not a Dealbreaker
If you’re carrying student loans and wondering whether homeownership is even a possibility, you’re not alone. It’s a common concern—especially among millennials and Gen Z buyers who are balancing educational debt with rising housing costs.
“I Have No Idea What I Can Actually Afford” — Why That’s Normal, and How to Find Out Without the Headache
If you’re thinking about buying a home but feel completely uncertain about what you can actually afford, you’re in good company. In fact, it’s one of the most common concerns we hear from first-time buyers.
Salt Air, Sound Advice: What to Know Before You Buy Your Dream Beach House at the Jersey Shore
Owning a beach house at the Jersey Shore sounds like the ultimate upgrade for pretty much anyone in the Garden State. Morning coffee with a view of the waves, kids building sandcastles just steps from your porch, and that easy, breezy feeling of knowing the shore is yours.
Why Buying a Home Could Save You Money (and Your Sanity) vs. Renting Forever
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.
“What Exactly Am I Paying for with My Mortgage Payment?” An HQM Breakdown
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?
The 2025 Mortgage Prediction Breakdown
As we enter 2025, borrowers and investors alike are eager to understand what’s in store for mortgage rates, housing prices, and affordability.
5 Effective Strategies for Saving for a Home in New Jersey While Renting
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...