Sobre Todd
With big dreams and even more determination, Advisors Mortgage Group, LLC was founded in October 1999 by a single loan officer in a 400 square foot office in Shrewsbury, New Jersey. In the years since its formation, Advisors has grown to serve not only the greater New Jersey area, but also a vast portion of the United States.
Our immense experience is our greatest asset and is the foundation of the success of the company and every Advisors branch and loan officer.
Con licencia en FL, NJ
Guías gratuitas de Todd
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.
Guía del comprador
Programas, papeleo y errores comunes — la guía completa para comprar.
Guía del vendedor
¿Vende y compra al mismo tiempo? Empiece aquí.
Dónde encontrar a Todd
Todd trabaja desde nuestra oficina de Oceanport, NJ. Rama NMLS #131520.
Lo que dicen los clientes sobre Todd
27 reseñas de clientes
Reseñas verificadas de clientes a través de Experience.com
Great experience working with Todd Rovinsky, Michael Perrulli and Jessica East at Advisors Mortgage Group. They were excellent throughout the entire mortgage process and helped us close within a 30-day period. Even the title company commented that everything was always up to date and well organized on the lender’s side, which made the process smooth and stress-free. This is the second time we’ve used their services, and once again the outcome has been nothing but positive. We truly appreciate the professionalism and efficiency of the entire team. Congratulations to everyone at Advisors Mortgage Group on a job well done!
Tidd Was always available if we had questions. Explained everything throughly. was such a breeze of an experience because of him! Thank you again so much!
My experience with Todd and MIchael were 'drama-free'. They managed ALL the necessary steps needed to assist me, when 2 days prior to my original closing date, I was informed it would be pushed out. The 'delay' was seamless on my end, but I'm sure there were numerous tasks newly generated due to the delay. From start to finish, this engagement was professional with open lines of communication - keeping me informed as the process progressed. I am a 'repeat customer'of Todd's/Advisors and will continue to refer their services.
I recently worked with Todd Rovinsky as my mortgage broker, and the experience was outstanding. Todd was incredibly knowledgeable, explaining every detail of the mortgage process clearly and ensuring I understood all my options. He was always available to answer any questions, making the process smooth and stress-free. Todd’s helpfulness and expertise made a significant difference, and I truly appreciated his attention to detail. Overall, I had a great experience and highly recommend Todd for anyone looking for a professional and reliable mortgage broker!
Our experience with Advisors Mortgage Group was simple easy and fast. They were more than professional. It was like working with old friends. Five stars.
It was nice to have someone that I could reach out to no matter what time or what question I had. This was my first time buying a house, and Todd helped with any and all questions. It truly is very much appreciated!
Good job Todd
Thanks so much to Todd Rovinsky for providing excellent guidance and service with the purchase of our new home. He was always there to answer any questions and address any concerns. I would highly recommend Todd Rovinsky and Advisors Mortgage Group to anyone who is looking for their next mortgage.
Todd was very patient with us. He was available for all of our questions and concerns.
Todd Rovinsky made it great, it's that simple. It's the people that make the company, not the company that make the people. I would work with him wherever he went.
Todd did a fantastic job keeping us updated and explaining everything every step of the way. He made the whole process go so smoothly, would definitely recommend.
Getting a mortgage can be stressful, but once Todd Rovinsky told us we qualified, we were confident it would just be a matter of supplying all of the required documentation. The seller was in a rush to close and we were in the process of selling another property and he did a fantastic job us letting us know what was was required and keeping us informed of the progress. We encountered several hurdles along the way, but easily cleared them and closed on time, at a an awesome rate. Thanks Todd.
Todd goes above and beyond and is always available
Todd did a fantastic job. Kept me updated throughout the process, was completely transparent and lived up to his word at ever pass. Highly recommend Todd
Todd was great and helped us through the entire process, start to finish.
Todd was very knowledgable and helped me every step of the way. He was readily available and very patient and a miracle worker. Thanks!
Tood was not only very pleasant and great to deal with but everything was done fast. No matter the time of day Todd was always there. We had an amazing experience with him and referred my family to him as well.
Very easy process todd was very helpful with all my questions first time home owner had a ton of questions.
The process was great Todd made everything move in a timely fashion with no problems.
- he was easily accessible with any questions - clearly explained the process and what was needed - simple and easy
Todd is absolutely amazing. He is patient, knowledgeable and truly cares about the people he helps. I highly recommend him for all your mortgage needs! Thanks again Todd for EVERYTHING.
Just refinanced my mortgage with Todd. Have to say what a great and efficient way he handled it . If your looking to buy a new home or refinance this is the guy you need!
Todd is caring and compassionate. He will do everything in his power to help you achieve your goal. He is honest to a fault. I highly recommend him.
Todd has a refreshing passion for helping people! He is diligent in getting through the paperwork and listens to his clients' needs in order to help them in the best way possible. Even with our current credit situation, Todd and his staff worked very hard and effectively to secure us a mortgage commitment!! He was always responsive, and never gave me an answer to a question he was certain about. If you don't call Todd and Advisors for your next mortgage, you are making a mistake.
Todd is honest, transparent, and took all of my concerns into consideration when helping my family. Highly recommended.
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
