Sobre Marc
Marc Spiwak is a seasoned mortgage professional with 23 years of experience in the industry. A graduate of the University of North Florida, Marc combines his deep understanding of financial markets with a passion for helping clients navigate the home-buying process. Over the years, he has built a reputation for delivering personalized solutions and fostering lasting relationships with clients and industry partners. Beyond his professional life, Marc is a devoted family man. He and his wife, Erin, are proud parents of their two children, Halle and Parker. Their household is rounded out by two beloved dogs, Charlie and Daisy. In his free time, Marc enjoys playing golf and spending time outdoors with his family, creating memories on the course, at the park, or on family adventures. His dedication to both his work and loved ones defines who he is.
Con licencia en FL
Guías gratuitas de Marc
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 Marc
Marc trabaja desde nuestra oficina de Gainesville, FL. Rama NMLS #1809159.
Gainesville, FL 32607
Lo que dicen los clientes sobre Marc
534 reseñas de clientes
Reseñas verificadas de clientes a través de Experience.com
Availability and flexibility of mortgage member team. clear answers, making an overall confusing process simple.
Went into the homebuying experience, extremely nervous and apprehensive, as I am unfamiliar with the entire process being a first time buyer Mark and his team are absolutely amazing and took out all of the fear
***********
I can't recommend Marc Spiwak and Advisors Mortgage highly enough! Marc's expertise is unparalleled, and he's also incredibly patient and generous with sharing knowledge through the whole detailed home-buying process. He made me feel valued every step of the way. Marc is a gem!
Marc paid attention to my individual cituation and catered my Mortgage to me
very easy communication, fast work, great rate
not one to publically post
Fantastic folks to work with! Process was smooth all the way to closing.
It's always great with this crew. Prompt, responsive, professional and always has my best interest at heart.
Everyone was very helpful through the whole process. The team was very knowledgeable.
Marc and his team guided us through the mortgage application process with promptness, professionalism and kindness. As first-time homebuyers, we felt confident having Marc on our side, as he guided us though the mortgage application & approval process. Highly recommended!
It was a great experience working with Marc and his group!
Great service and excellent team. If I were to restart the process, I would choose Marc again.
Good to work with and did everything they were supposed to do. Always avaliable for questions and made the process easy. Highly recommend.
Highly Recommend! Marc was incredibly knowledgable, patient with all our questions, and responsive. We confidently recommend Marc to anyone in need of mortgage assistance!
Buying our first home felt overwhelming at first, but Advisor’s Mortgage made the entire process smooth and stress-free. From start to finish, their team was knowledgeable, responsive, and always willing to take the time to answer our questions. They kept us informed every step of the way, explained everything clearly, and made us feel confident throughout the entire process. As first-time homebuyers, we couldn’t have asked for a better experience. They truly went above and beyond to make sure everything stayed on track, and thanks to their hard work, we were able to close on our first home without unnecessary stress. If you’re looking for a mortgage company in Gainesville that genuinely cares about its clients and provides outstanding service, I can’t recommend Advisor’s Mortgage enough. Thank you for helping make our dream of homeownership a reality!
The team is courteous, works very well together and explains everything clearly for your understanding.
Easy process and Marc was transparent with possible options for us. He was also availble for questions during off hours.
The process was very smooth. Marc was able to to answer our questions and helped us arrive at a decision.
This process was smooth and easy. I would reccomend to anyone buying a home!
If I could give Marc and the team at Advisors Mortgage more than five stars, I would. This was, without question, one of the wildest real estate transactions I've ever experienced. We encountered challenge after challenge—from appraisers who couldn't complete the appraisal due to conflicts of interest, to discovering an old insurance claim that had never been properly closed out, despite the work having been completed.. Through every unexpected hurdle, Marc never missed a beat. When we needed new appraisers, he found them. When insurance issues threatened to derail everything, he helped us secure new coverage. Every time we had to shift, pivot, and provide additional documentation, Marc and his team were right there, working quickly and efficiently to keep everything moving forward. What impressed me most was their dedication. They worked nights, weekends, and truly operated as a team. They never gave up, even when it felt like the deal might fall apart. Honestly, I don't think we'd be in this house today without Marc and his team. Their professionalism, persistence, creativity, and commitment made all the difference. We are incredibly grateful and cannot recommend Advisors Mortgage highly enough.
Communication, and I felt like I could trust Marc and his team were doing everything behind the scenes to the best of their ability. Overall, I think it was as smooth as it could have been.
Everything was explained well, and I felt like a valued customer and human.
My dealings with Marc Spiwak were easy, informative, and professional. The lending process was seamless with Marc's help. I would highly recommend Advisors Mortgage company and particularly Marc to my friends.
Very professional and kept me informed thru the weeks
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
