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.
Branch Manager · NMLS #1167220
Francesca Anello, CDLP, CMPS
Where do you want to start?
Pick a path. Francesca takes it from there.
4.99★average rating
135client reviews
3states licensed
Tinton Falls, NJhome office
Loan Programs
Popular loan programs.
Not sure which fits? Ask Francesca — it is free, and there is no obligation.
From 3% down
Conventional Loans
Competitive rates and flexible terms for buyers with solid credit — the classic path to homeownership.
Best for: Credit 620+, 3% or more down, primary homes, second homes and investments.
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3.5% down
FHA Loans
Lower down payments and more forgiving credit requirements — a favorite for first-time buyers.
Best for: First-time buyers, credit from 580, 3.5% down.
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0% down
VA Loans
No down payment and no monthly mortgage insurance for those who served.
Best for: Veterans, active-duty service members and eligible surviving spouses.
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0% down
USDA Loans
100% financing for homes in eligible rural and suburban areas.
Best for: Moderate-income buyers outside major metros.
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Rate & Term Refinance
Swap your current loan for a better rate or a shorter term without taking cash out.
Best for: Homeowners whose rate is above today’s market.
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Cash-Out Refinance
Refinance for more than you owe and take the difference in cash.
Best for: Big projects, tuition, or paying off high-interest debt.
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Renovation Loans
One loan for the home and the improvements — the easiest way to afford the renovation on a home you’re buying.
Best for: Fixer-uppers and homes that need work before move-in.
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62+
Reverse Mortgage
Convert part of your equity into cash while you stay in your home. What it is, and the common misconceptions.
Best for: Homeowners 62+ who want income from their equity.
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About Francesca
Meet Francesca.
Francesca has spent most of her career in the financial services industry, and has been writing mortgages since 1999. Her knowledge of the financial world gives her the ability to not only assist her clients in obtaining the most suitable mortgage program for them, but she also educates her clients as to how the new mortgage payment would fit into their overall financial plan. Francesca is well versed in the various First Time Home Buyer Grants & Down Payment Assistance Programs, and enjoys working with first time home buyers, as well as her seasoned Buyers. Francesca will find the right fit for her clients, whether it is a Conventional Loan, Jumbo, FHA, VA, 203(k), NON-QM, or perhaps a Reverse Mortgage. She enjoys being involved in the local community and various industry related associations.
Education and Certifications:
- Marymount College of Fordham University (B.S., Finance & Economics, Cum Laude)
- Life and Health Insurance Licenses
- “Universita per Stranieri di Siena”, Italy (B.A., Italian, Summa Cum Laude, University of Siena)
- Certified Divorce Financial Analyst degree (awarded by the Institute for Divorce Financial Analysts™)
- CDLP Certified Divorce Lending Professional (awarded by Divorce Lending Association)
- Collaborative Interdisciplinary Training
- Mediation Training
- CMPS (Certified Mortgage Planning Specialist)
- Renovation Certified Fix-It Mortgage
Professional Associations:
- MORR Affiliates Chair (formally MCAR)
- Asbury Park Chamber of Commerce
- Ocean Grove Chamber of Commerce
- Catholic Charities Monmouth Board Member
- Women’s Council of Realtors Strategic Partner
- #1 Central Jersey Networking Group
Licensed in 3 states
FLNJPA
What clients say about Francesca
4.99
135 client reviews
Verified client reviews via Experience.com
Everyt went smoothly and I didn't experience any problems thanks again
E
EMINE A
MARLBORO, NJ
⭐⭐⭐⭐⭐ I cannot recommend Francesca highly enough! Buying a home was such an important milestone for me and my family, and I am incredibly grateful to have had her by my side throughout the mortgage process. Francesca’s dedication, patience, and care meant so much to me. Through every stressful moment and unexpected challenge, she answered my questions, helped me understand the next steps, and worked hard to get us to the finish line. She understood how much this home meant to me and my children, and that personal care made all the difference. As a single mother, finally getting the keys to our own home was an unforgettable feeling. Francesca, thank you for being such an important part of making that dream a reality. I will always appreciate your hard work and support. I also want to thank Danielle for her help, patience, and dedication along the way. I am so grateful to both of you and the Advisor Mortgage team. If you are looking for someone who puts her heart into helping her clients, I wholeheartedly recommend Francesca And her team. She deserves every one of these five stars and more!
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MARIAMI K
BRIDGEWATER, NJ
i Worked with Francesca Anello throughout my Mortgage process. She was very attentive and on top of everything. She was able to answer all my questions and explained thoroughly which ones I didn't understand. It was such a pleasure working with her through this purchase. Francesca will be my loan officer for future purchases.
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UMBERTO C
BELLEVILLE, NJ
Francesca worked with for a while, always answered calls, gave great advice and stayed on top of everyone involved with my house purchase. and she was always in a good mood which has nothing to do with anything related to my mortgage loan but I just wanted to mention that. appreciated her time and effort.
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CHRISTOPHER A
BRICK, NJ
Francesca is wonderful to work with and I recommend her and Advisor's Home Mortgage Group without reservation!
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ADRIENNE U
OCEAN GROVE, NJ
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ELIZABETH H
FORKED RIVER, NJ
Franscesca is great
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CYRIL O
WARETOWN, NJ
Very helpful and encouragement
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OLUCHI O
WARETOWN, NJ
Francesca Anello is a fantastic loan officer. I highly recommend her to anyone looking for any mortgage services.
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NOAH A
TOMS RIVER, NJ
The entire transaction was transparent and efficient!! The mortgage team was great ..
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THOMAS H
BRICK, NJ
Best service ever. No problems or complications. Was very easy and simple. Was always open to listen and help. Very professional and would highly recommend.
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CZESLAWA B
MARLBORO, NJ
Very friendly and kind gets to work right away
J
JHONY G
NEPTUNE, NJ
I gained good experience working with documents. Improved communication with your employees. I completed online training and received a certificate in "Home Ownership", "Home Energy Basics", "Manage Your Mortgage Like a Pro" and it was a very valuable and useful experience. I am grateful to you for everything.
V
VIACHESLAV L
HOWELL, NJ
Highly recommend Francesca Anello from Advisors Mortgage. The entire process and experience was wonderful beyond compare. If you want to feel cared for like family then Francesca is who you should reach out to for all of your mortgage needs.
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EDNA N
NEPTUNE, NJ
Very professional prompt, and wanted the quickest closings I've ever had
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JAMES C
LONG BRANCH, NJ
Thank you for guiding me through a cash out refinance process. It was a great experience!
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NATASHA A
BOYNTON BEACH, FL
Amazing staff.
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LEE P
BRICK, NJ
Extremely helpful and patient while goonf going through a year of looking and preapproval!!
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BRIANA N
OCEAN GROVE, NJ
If you’re looking for great mortgage deals, expert advice, a smooth pre-approval a great mortgage experience, from application to closing, Francesca Anello is the person to call. Francesca Anello gave me self-employed mortgage options, reviewed the difference between bank statement programs, stated income, and DSCR for investors, and helped me with tailored advice for my complex circumstances, all with a competitive mortgage rate, she even helped me navigate a 1031 Exchange. Francesca Anello is the best mortgage lender in New Jersey!
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NATALE C
WANAQUE BOROUGH, NJ
Wonderful experience. Francesca was very informativ, responsive and ple to work with.
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YOUSEF A
OLD BRIDGE, NJ
Quick, effortless and efficient always communicated on each piece of the process
J
JACQUELINE M
MATAWAN, NJ
The professionalism, support and responsiveness of the staff was exemplary .
L
LEONARD S
WEST CALDWELL, NJ
The most wonderful company to help secure a mortgage.
P
PAUL I
BOCA RATON, FL
Advisors Mortgage makes the land experience so easy and they are always there for you especially Francesca Anello branch manager in Tinton Falls. I have used Advisors on multiple properties and they are much better than working with large lenders, and executive at Bank of America told me if he was me he would stay using Advisors, because they can get things done quicker and more efficient
S
STEPHEN F
LONG BRANCH, NJ
The world of banking & real estate can be difficult to navigate, especially in volatile economic times. Working with Francesca was like pushing the Easy Button. She had us approved for a mortgage in no time flat, and provided some excellent advice as well. Highly recommend Francesca Anello and her team.
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Angela Y
6 / 25
Free · No obligation
Not sure where you stand? Just ask — it is free.
A quick conversation, no obligation, and a pre-qualification has no impact on your credit. Real answers from a real person.
Read up before you call.
Plain-English guides from the Advisors Knowledge Base.
Knowledge Base
What Credit Score Do You Need to Buy a House?
Purchasing a Home and Credit Scores Purchasing a home is one of life’s most significant financial milestones. While factors like income, savings, and …
Read the article
Knowledge Base
How Much Money Can You Borrow With a Home Equity Line of Credit?
A home equity line of credit—better known as a HELOC—can be a smart way to tap into the value of your home. It works like a revolving credit line, sim…
Read the article
Knowledge Base
How to Increase Your Credit Score: 7 Steps to Get Started
Your credit score plays a big role in your financial health—it can impact everything from your ability to get a mortgage to the interest rate you’ll p…
Read the article
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
Where to find Francesca
Francesca works out of our Tinton Falls, NJ – Anello office. Branch NMLS #2131467.
229 Newman Springs Road, Tinton Falls, NJ 07724Show map
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Francesca Anello, CDLP, CMPS
Branch Manager · NMLS #1167220
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