About Mario
I am proud to serve as a Loan Officer with Advisors Mortgage Group, helping individuals and families turn the dream of homeownership into a reality.
Before beginning my career in the mortgage industry, I proudly served 10 years in the United States Marine Corps. My time in the Marines instilled in me the core values of discipline, integrity, accountability, teamwork, and putting others first — values that continue to guide me in everything I do today.
As a Loan Officer, I bring that same commitment to service to every client I work with. I understand that purchasing a home is one of the biggest financial decisions a person will make, and my goal is to make the mortgage process as clear, smooth, and stress-free as possible.
As a Marine and veteran, I am especially passionate about helping fellow veterans, active-duty service members, and first-time homebuyers navigate the path to homeownership, including VA home loan benefits.
Whether you’re buying your first home, your next home, or refinancing, I’m here to serve you with honesty, clear communication, and a mission-first mindset.
Let’s turn your homeownership goals into a plan—and your plan into keys.
Licensed in NJ
Free guides from Mario
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 Mario
Mario works out of our Tinton Falls, NJ – Anello office. Branch NMLS #2131467.
What clients say about the Tinton Falls team
371 client reviews
Verified client reviews via Experience.com
Everyt went smoothly and I didn't experience any problems thanks again
⭐⭐⭐⭐⭐ 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!
Anthony Gallo and his team are true knowledgable professionals . His foresight into any issues that might have come up were discussed with me ahead of time. This allowed me time to get all paperwork that would be needed ahead of time and preventing any issuess. Each person made sure I had all paperwork handled correctly and a ahead of time. Even his supervisor was thinking ahead and coming up with great ideas on how to make sure I had everything ready for the closing.
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.
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.
Francesca is wonderful to work with and I recommend her and Advisor's Home Mortgage Group without reservation!
So I am a 100% disabled veteran who has ms as well. I did need Tony to go above and beyond his normal level of time and involvement with clients. Tony took the time and walked me through the process and even reached out to creditors on my behalf. Home buying is a stressful time and for me Tony Gallo made it far less of a stressful situation
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Franscesca is great
Very helpful and encouragement
Francesca Anello is a fantastic loan officer. I highly recommend her to anyone looking for any mortgage services.
Tony, thank you for your dedication and effort, you definitely understand the meaning of what it means to fulfill the dream of a home of your own, a big hug
The entire transaction was transparent and efficient!! The mortgage team was great ..
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.
Very friendly and kind gets to work right away
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.
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.
Very professional prompt, and wanted the quickest closings I've ever had
Thank you for guiding me through a cash out refinance process. It was a great experience!
Amazing staff.
Extremely helpful and patient while goonf going through a year of looking and preapproval!!
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!
Wonderful experience. Francesca was very informativ, responsive and ple to work with.
Quick, effortless and efficient always communicated on each piece of the process
The professionalism, support and responsiveness of the staff was exemplary .
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
