Sobre Howard
With years of experience in the real estate and mortgage industry, I take pride in guiding my clients through one of the most significant financial decisions of their lives. I believe that every homebuyer and homeowner has a unique story, and my priority is to listen, understand, and tailor mortgage solutions that fit their specific needs.
Whether you're a first-time homebuyer, luxury buyer, refinancing, or investing in property, I am committed to making the process smooth, transparent, and stress-free. My expertise in working with buyers, homeowners, renters, and in creating loan programs and financial strategies, allows me to offer the best options while always advocating for my clients’ best interests.
Let’s work together to turn your homeownership and mortgage goals into reality!
Con licencia en NJ, PA
Guías gratuitas de Howard
Guía para compradores primerizos
Por qué ser propietario, los 7 pasos, la lista de documentos y qué hacer y qué no: léala aquí, sin descargas.
Dónde encontrar a Howard
Howard trabaja desde nuestra oficina de Linwood, NJ. Rama NMLS #1663364.
Lo que dicen los clientes sobre el equipo de Linwood
1,473 reseñas de clientes
Reseñas verificadas de clientes a través de Experience.com
Advisor Mortgage Group were able to help me and my family get into our very first home. They made the process super easy and educational. They answered all questions and were very responsive with communicating. Helen, Abby, and Greg were great to work with and highly recommended.
Marcy and her team walked us through every step if the mortgage process. She was available to talk any time and go over any questions we had.
Overall a good experience Thanks!
Everyone is friendly and easy to work with. Buying a house is a very stressful time and they go out of their way to make the process as smooth as possible.
Everything was explained clearly got to the closing very fast
TJ, Abby and Adel were very attentive and prompt responding to any questions or concerns. Made this process as easy as possible for my wife and I
Excellent experience
The process of buying a home is stressful and difficult, however TJ made this extremely easy for us. TJ and everyone at Advisors Mortgage Group were right there alongside of us the whole way. No matter what day of the week or time it was, TJ would answer any questions I had immediately. I can't reccomend this company enough for anyone looking to buy a home!
responsible, fast, and great communication
Very good communication and quick approval.
Marcy guided us through the mortgage application process with clear explanations and helpful instruction. She quickly responded to each of our questions with a delightful and positive attitude during every exchange. Marcy made our home-buying experience easy. We appreciate her expertise and support, and will not hestitate to recommend Marcy and Advisors Mortgage Group to family and friends!
It was a smooth process throughout the entire timeline . Application, to approval, to closing.
Na Na
Marcy made the whole process smooth and as stress-free as possible. She explained every step clearly and responded quickly whenever we had questions. We felt supported from application to closing and would recommend them to anyone looking for a knowledgeable, genuinely helpful lender.
This Is my second time working with advisor they are still amazing as every. Work with me through the whole process keeping update fully along the way.
Thank you for such great support through the process!
The Advisors Mortgage Team were great to work with, TJ, Abby and Adele took care of business to ensure we were able to keep our settlement date even with difficult circumstances that were out of their control. I'd recommend this team to anyone in the market for a mortgage!!!
Advisors Team was exceptional, met a very tight deadline. Absolutely will recommend.
The service and attention to detail through out the process was great. Responses where given as soon as possible when it cane came to all matters of questions, even if they where to reaffirm any past information and made sure everything was finished quickly and conveniently as well.
Exceptional and transparent service
I had an outstanding experience with Advisors Mortgage Group LLC while purchasing my first investment property. Since this was my first property purchase, I went into the process with very little knowledge of what to expect, but their team made everything feel manageable from beginning to end. They took the time to walk me through every step, explain the process in detail, answer all of my questions, and make sure I understood what was happening throughout the transaction. Their communication was exceptional. Emails and calls were answered promptly, and I never felt like I was being left in the dark or had to chase anyone for information. What impressed me most was that their support went far beyond simply securing a mortgage. They truly guided me through the entire experience and provided assistance that made a complicated process feel much less overwhelming. Their professionalism, patience, responsiveness, and willingness to go above and beyond made a huge difference for me as a first-time investment property buyer. I am extremely grateful for the level of service I received and would highly recommend Advisors Mortgage Group LLC to anyone looking for a knowledgeable, responsive, and supportive mortgage team. They made my first property purchase a very positive experience, and I would absolutely work with them again.
Despite the Sellers holding up the process, Thomas did a great job of getting everything completed for our settlement to happen on the date scheduled! :)
This is my third time working with this team, I have nothing but positive things to say. They've helped me through out my home buying journey. lucky to have found a great team of professionals to work with! I would 1000% recommend this team! Especially William Chang!
Exceptional service, thank you for all the help throughout the process.
We were so thankful we had Chris Kaczmarski to help us in the home search. made the mortgage process very easy. He was really knowledgeable and helpful and someone we could trust. We will be recommending Chris and advisor's mortgage to anyone. We know that has to go through this Home proce
Últimas noticias del mercado
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
