Sobre Denise
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
Guías gratuitas de Denise
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 Denise
Denise trabaja desde nuestra oficina de Gainesville, FL. Rama NMLS #1809159.
Gainesville, FL 32607
Lo que dicen los clientes sobre Denise
170 reseñas de clientes
Reseñas verificadas de clientes a través de Experience.com
Thank you Denise and everyone behind the scenes who made our dream of home ownership a reality!!
Denise was amazing during our entire process. She made it smooth and effortless. Very professional and personable. I would recommend her to anyone looking to buy or refinance!!
just a long process
I HIGHLY recommend Denise Harrington. We had multiple challenges along the way. I believe I wouldn't be in my home today if it wasn't for Denise. Her expertise and problem solving skills, drivers her to be the best Loan Officer. I cannot thank her enough for her hard work and professionalism.
denise harrington was a great point of contact! she was very kind , knowledgeable, and helpful. looking foreard to working together again.
Denise was so thorough, professional, and educational. She gave me peace of mind knowing she had it handled and I had no doubt it was in good hands. The whole experience was fantastic. I purchased a home in Florida while living in another state, and purchased it through a VA loan so it had its obstacles.
Thank you all for making this confusing process go smoothly.
Everyone we worked with was wonderful and knowledgeable! Thank you all so very much
in view of personal medical conflicks during the losn process everyone worked with me to help cover my needs. Thank you all
The ease of working with the team. Clear communication back and forth through the process.
It was an excellent experience all around. Denise was amazing, and we didn't have to move our original closing date on a foreclosure.
deniese was so helpful through the whole process. Communication was great.
All questions were answered fast and professional.
5 star. Smooth process. Thank you.
Overall excelent experience. I felt like I was supported through the whole loan process, great response timing, all my questions were answered, no struggles at all.
The whole team is extremely helpful and helps you through the entire loan process.
I had the smoothest experience buying a home with Denise as my lender. I appreciate all the work and help. I will refer your company out to anyone I know. Thank you!
questions were answered information was offered without hesitation personalized service was appreciated
Denise and her team were great to work with. Handled everything with professionalism and kept me informed throughout the whole process.
I don’t think there is anything you all could have done differently. It just was stressful.
Martin my stepfather, precise and up to date communication, between everyone involved.
Good experience over all
The whole process was seamless and everyone was very knowledgeable and helpful within their own job.
The whole team worked very hard to make sure that we could close on the house in a timely manner. They communicated with my wife and I constantly and kept us informed during the whole process. I can not speak enough about Denise, Katey, Morgan and the whole team. Excellent people to work with.
Great service from start to finish.
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
