At Trinity Lending Company, we believe getting a mortgage shouldn’t feel overwhelming. Whether you’re buying your first home, upgrading to fit your family, or refinancing to save money, we’re here to make the process simple, honest, and stress-free.
We don’t just write loans — we build relationships. Every client is treated like family, and every loan is handled with the care it deserves.
Johnny Fornino was the #1 loan originator from the very beginning of HQM ( High Quality Mortgage ) and a major driver behind its growth. His consistency, leadership, and ability to produce at a high level helped shape the company’s reputation and performance over the years. He also played a key role in training and mentoring the team, setting the standard for how clients should be served.
With 25 years of experience and over $1 billion in funded loan production, Johnny has been the backbone of thousands of successful closings. Chances are, if you ever did a loan with HQM, you worked directly with him — answering his phone day and night, working around the clock, and doing whatever it took to make sure your loan closed smoothly.
His personality, experience, and work ethic are unmatched — and now all of that energy, passion, and customer-first focus is poured into TLC Loans.
“When clients choose TLC, they’re not just getting a mortgage. They’re getting a trusted partner who has their back every step of the way.” – John Fornino
To help New Jersey homebuyers and homeowners achieve their goals with transparency, loyalty, and expertise.
We stand by our clients and partners, every step of the way.
Backed by years of proven success in the mortgage industry.
Clear communication and guidance so you always know what to expect.
Local NJ expertise with a personal touch.
Direct, honest advice (no hidden surprises).
Faster closings and smoother transactions.
A partner who values relationships as much as results.
