About William
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.
Licensed in NJ, PA
Free guides from William
First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Where to find William
William works out of our Ventnor, NJ office. Branch NMLS #1889817.
What clients say about William
258 client reviews
Verified client reviews via Experience.com
responsible, fast, and great communication
Thank you for such great support through the process!
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!
Communication, accessability, positive demeanor, promptness and professionalism. 5 stars
Billy and Ginny from Advisors mortgage were extremely easy to work with and assisted us every step of the way. They took extra time to consult with us to make sure we understood every detail. Would highly recommend them to anyone as they made the process smooth and enjoyable
prefer to remain anonymous
As someone who resided in the original home for 21+ years, Billy and his team worked with my wife and me to navigate the process of buying a new house in a different state. Home buying in general is stressful, but Billy and his team significantly eased the stress and made it a pleasant experience. Kudos to the team.
I really appreciate all the hard work. Billy did for me over the years through that work. I've gained a very loyal and trusted friend. I'm very happy now that I'm finally his neighbor.
Amazing experience! The loan process was fast, smooth, and well organized. The team was very helpful, answered all our questions promptly, and kept everything moving efficiently. We are very grateful for their excellent service and highly recommend them.
My experience working with my loan officer william chang and Ginny Pyle during my recent home purchase was outstanding. From start to finish, they were professional, responsive, and extremely knowledgeable about the mortgage process. They took the time to explain every step clearly, ensuring I felt confident and informed throughout. What truly made the experience great was their dedication and attention to detail. They worked diligently to secure the best possible loan for me and made what could have been a stressful process feel smooth and manageable. I always felt supported and knew I was in good hands. I’m very grateful for their guidance and would highly recommend them to anyone looking to purchase a home.
Billy and his team made the process seamless and got my loan completed in an extremely short amount of time. Very pleasant personnel thru out the whole process. I have been using Billy for all my real estate transactions and they all went flawless.
We had an excellent experience working with Billy Chang during our refinance process. From the very beginning, Billy took the time to clearly explain every step and made sure we fully understood our options. He was always available to answer our questions, no matter how small, and responded quickly and professionally. What really stood out was his ability to guide us through the entire process with confidence and patience. Even when we faced a few challenges along the way, Billy handled everything efficiently and kept us informed, which made a big difference. He truly made what could have been a stressful process feel smooth, organized, and manageable. Billy is knowledgeable, reliable, and genuinely cares about helping his clients. We are very grateful for his support and would highly recommend him to anyone looking for a trustworthy and dedicated loan officer.
Billy Chang and Ginny Pyle were the best team at Advisors mortgage I couldve asked for. they were super supportive, gave me guidance, and had strong communication with me to get my loan processed in record time. 10/10 will get a mortgage with them again in the future. Thanks guys!
People make the difference in life and working with Billy was what made my experience great!
All around the whole team was great . They help me understand the whole process and if i needed any wues answer they would answer them. the whole team were very kind and was a pleasure working with them.
Excellent experience, what's personally impressed with the professionalism of everyone. Would highly recommend Billy Chang for their next mortgage, or refinance. Thanks again to everyone involved sincerely yours Jose Gonzalez.
Thank you guys so much. I really appreciate the team work . with everything I have going on on my credit. I was very doubtful, but I was so excited in the end. Thank you. I would highly recommend you guys.
Billy was excellent from start to finish
My loan experience was very smooth, thanks to my mortgage broker. From the initial consultation to closing, they were responsible and attentive throughout the entire process, carefully explaining every detail. They also proactively compared different options and helped me find the solution that best suited my needs. Communication was excellent, and any questions I had were answered promptly. Truly professional and reliable — highly recommended to anyone looking for a mortgage!
They were very detail, easy to communicate, left no stones unturned. Felt very comfortable working with them and felt like we got more than we were paying for.
Thank you for all your help transa was smooth
Was sheparded the whole way through the process. Prompt return of calls and emails. Very nice people.
Just flawless 🤗
Very professional, organized and lets you know the process
Explained everything. Great advice. Seamless transaction.
Latest market updates
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
