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COVER STORY Integrity, Fast Response and Lifelong Connections HQM Loans is a Partner, Not Just a Broker
HQM Loans is a partner, not just a broker
Photos by Dan Epstein
Buying a house, whether as a first-timer or as an experienced homeowner, is a complex and often stressful process. Partners Matthew DiBrino and John Fornino of HQM Loans in Fairfield have made it their company’s mission to ensure each client is educated about the process, has the best options made available to them, and receives prompt, informed customer service.
“A lot has changed in a short amount of time. In my 20 plus years of experience, I can honestly say that I have not seen a market like this one.” John Fornino, President, and Co-Founder remarked when asked about the current state of the Real Estate Market. “There is a whole lot of uncertainty, not only in our market, but also in the world. Rates are rising, and there is an extreme shortage of homes on the market. That is why there are hundreds of people lining up at open houses in this area,” he added.
While it is true, a lot has changed, HQM Loans’s pillars of success have not. “We are family first, followed by loyalty and integrity, work ethic, results, and relationships,” Matthew D. DiBrino, Co-Founder and CEO, stated. “Everything we do starts with a family atmosphere. Our staff at HQM Loans has become one big family. When you genuinely love the people, you work with, it shows in the product,” DiBrino continued.
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The HQM Loans Team
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“Loyalty and integrity are by far the most underrated attributes a company can have, especially in today’s ever-changing environment. We always stay true to who we are. Our integrity is unwavering, and our loyalty to our clients and real estate partners is unmatched. Our mission statement is, Where You Get Your Mortgage from Matters, and I think that resonates with all parts of a real estate transaction.”
“Work ethic and results kind of go hand in hand. We live by a few different mantras in this office. For one, no one will outwork us… period. We leave no stone unturned in any given scenario. It does not matter what day of the week it is, or what time it is, if our clients or partners need us, we are always there to service them. We also believe that there are no problems—only solutions. When an issue arises, we hit it straight on and look to solve it collectively. We are relentless until we have multiple solutions.” DiBrino said. “The team energy in this office is really quite unique.”
DiBrino and Fornino, who, combined, have decades of experience in the home finance business, are able to give clients access to 100 different lending partners, who offer multiple types of loans to suit each individual situation, including 30-year fixed rate, FHA, first-time buyers, and VA. HQM Loans’s 24-hour approval process results in a full, not provisional pre-approval for loans, enabling buyers to quickly make solid, attractive offers on the homes they’ve chosen—vital during a time of low inventory. The secure application process can be done easily online or in-person.
So how can HQM Loans help in this cr azy market? The educational part of the relationship involves complete honesty about the whole process. “We tell the client that they have to fall in love with the monthly payment before they fall in love with the house,” remarked DiBrino. With rising rates, affordability is going to lower, so it is important to get a grasp of where you are,” Fornino said. DiBrino continued, “As a company, we are going to stay true to what has gotten us this far. Integrity and loyalty to our clients comes first.
HQM Loans remains involved in the community recently donating a 20-foot scoreboard to the Wayne Boys PAL, which is their second scoreboard donation.
HQM Loans
271 Route 46 West, H202-203, Fairfield | 973-339-7401 www.hqmloans.com
