About
Quality Home Mortgage
At Quality Home Mortgage, we believe homeownership should be achievable, affordable, and stress-free. Since opening our doors in 2004, we’ve helped individuals and families across Trigg County and surrounding areas make smart, confident decisions about their home financing.
Based in Cadiz, KY, we’re proud to be a locally owned and operated mortgage company that prioritizes education, service, and personal attention.
Our Mission: Making Homeownership Accessible
A Local Approach to Lending
We’re more than loan officers — we’re neighbors. That means we understand the housing landscape in Western Kentucky and are invested in helping our community grow through responsible, affordable home lending.
Our mission is simple: to make the mortgage process easy and transparent, so buyers feel empowered at every step.
What Sets Us Apart
Experience That Matters
With over two decades of experience in the mortgage industry, our team has deep knowledge of loan structures, underwriting standards, and local market conditions. We've successfully closed hundreds of FHA, VA, USDA, and conventional loans for families just like yours.
One-on-One Guidance
We offer the personal service of a small office with the access and versatility of a larger lender. When you work with us, you get clear communication, honest timelines, and a partner who cares about your financial future.
Versatile Loan Options
We specialize in:
- First-time homebuyer programs
- Down payment assistance
- Government-backed loans (FHA, VA, USDA)
- Construction and renovation loans
- Refinance solutions
- Investment property financing (on a case-by-case basis)
Meet Your Local Mortgage Expert
Hiler Choate, loan officer and owner of Quality Home Mortgage, has built a reputation for being attentive, responsive, and exceptionally knowledgeable. Her passion is helping clients find the right loan and guiding them through the financing journey with patience and care.
Who We Serve
First-Time Buyers
Navigating the home loan process for the first time can be overwhelming. We help new buyers understand their options and secure loans that work for their unique financial situations.
Veterans & Active Military
We’re honored to help those who serve by facilitating VA home loans with zero down payment and favorable terms.
Rural & Small-Town Clients
We proudly serve Cadiz, KY, and the greater Western Kentucky region — offering USDA Rural Housing Loans and other programs designed specifically for rural homeowners.
Refinancers
Whether you're looking to lower your rate, reduce your term, or access home equity, we provide refinancing guidance that aligns with your financial goals.
FAQs About Our Mortgage Company
How long has Quality Home Mortgage been in business?
We’ve been serving homebuyers in Cadiz and the surrounding area since 2004.
Are you a broker or direct lender?
We work as an independent mortgage company, helping clients find the best-fit loan program through a variety of lending partners.
Do you only serve Cadiz?
No — although our office is located in Cadiz, KY, we assist clients throughout Trigg County and surrounding areas in Western Kentucky. We are fully licensed and have the ability to serve clients anywhere in the State of Kentucky.
Can you help with credit-challenged buyers?
Yes. We offer flexible loan options and can help you understand how to qualify even if your credit isn’t perfect.
Let’s Talk About Your Home Financing Goals
Whether you’re just beginning to explore buying your first home or you’re ready to refinance your current mortgage, Quality Home Mortgage is here to help.
We invite you to call, email, or visit us during business hours to get started on the path to smarter home financing.
