Mortgage Loan Originator · NMLS #2141672

Loraine Paniagua

4.97188 reseñas de clientes Con licencia en 2 estados

Aplica ya Obtenga la precalificación Llamar 732-299-9722

¿Por dónde quiere empezar?

Elija un camino. Loraine se encarga del resto.

Comprar una casa Obtenga una mejor tasa Retire efectivo Renovar Hipoteca inversa Ayuda con el pago inicial

Aplica ya Llame a Loraine732-299-9722 Correo electrónicolpaniagua@advisorsmortgage.com La oficina de Loraine

2Estados con licencia

Tinton Falls, NJoficina principal

Programas de préstamo

Programas de préstamo populares.

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Vea todos los programas de préstamo

Desde 3% de pago inicial Préstamos convencionales Tasas competitivas y plazos flexibles para compradores con buen crédito: el camino clásico a la propiedad. Ideal para: Crédito 620+, 3% o más de pago inicial; vivienda principal, segunda vivienda e inversiones. Más información 3.5% de pago inicial Préstamos de la FHA Pago inicial más bajo y requisitos de crédito más flexibles: el favorito de los primeros compradores. Ideal para: Primeros compradores, crédito desde 580, 3.5% de pago inicial. Más información 0% de pago inicial Préstamos VA Sin pago inicial y sin seguro hipotecario mensual para quienes sirvieron. Ideal para: Veteranos, militares en servicio activo y cónyuges sobrevivientes elegibles. Más información 0% de pago inicial Préstamos del USDA Financiamiento del 100% para casas en zonas rurales y suburbanas elegibles. Ideal para: Compradores de ingresos moderados fuera de las grandes ciudades. Más información Refinanciamiento de tasa y plazo Cambie su préstamo actual por una mejor tasa o un plazo más corto sin retirar efectivo. Ideal para: Propietarios cuya tasa está por encima del mercado actual. Más información Refinanciamiento con retiro de efectivo Refinancie por más de lo que debe y reciba la diferencia en efectivo. Ideal para: Proyectos grandes, colegiaturas o pagar deudas con intereses altos. Más información Préstamos para renovación Un solo préstamo para la casa y las mejoras: la forma más fácil de costear la renovación de la casa que compra. Ideal para: Casas para remodelar y las que necesitan obra antes de mudarse. Más información 62+ Hipoteca inversa Convierta parte de su plusvalía en efectivo mientras sigue en su casa. Qué es y los malentendidos más comunes. Ideal para: Propietarios de 62+ que quieren ingresos de su plusvalía. Más información

Sobre Loraine

Conoce a Loraine.

For me, helping someone purchase a home is about much more than securing a mortgage. It’s about helping individuals and families create stability, build wealth, and take an important step toward their future.

As a bilingual Mortgage Loan Originator with Advisors Mortgage, licensed in New Jersey and Pennsylvania, I’m passionate about making the mortgage process easier to understand and less overwhelming. I believe my clients should never feel like they are simply being handed numbers or told what to do. My goal is to educate, explain their options clearly, and make sure they feel confident in every decision they make.

My professional background in payroll, financial analysis, compliance, and HR operations gives me a unique perspective when working with borrowers. I understand the details behind income, employment, and financial documentation, and I use that experience to help my clients better understand how their overall financial picture connects to their homeownership goals.

I especially enjoy working with first-time homebuyers and serving both English- and Spanish-speaking families. Whether you’re purchasing your first home, moving into your next one, refinancing, or exploring an investment property, I’ll meet you where you are, listen to your goals, and help you understand the options available to you.

As a mother and homeowner myself, I understand that buying a home is more than a financial transaction. A home can represent security, independence, legacy, and the beginning of an entirely new chapter.

My approach is simple: educate first, communicate clearly, and treat every client’s goals with the same care I would want for my own family.

I look forward to helping you find the right financing strategy for your next chapter.

Se habla español.

Con licencia en 2 estados

NJPA

Especialidades: Compradores de primera vivienda · Idiomas: español

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Solicite en línea en minutos — Loraine se encarga del resto.

Aplica ya Escribir a Loraine La aplicación Lighthouse Guía del comprador primerizo

“As a first-time homebuyer, I came into the process with a lot of questions and very little experience. Angela and Mike were incredibly responsive, patient, and supportive from start to finish. They took the time to expla…”

DAVID T · 2026-01-08

Sucursal de Loraine

Tinton Falls, NJ – Murcia

Rama NMLS #2300185

227 Newman Springs Road
Tinton Falls, NJ 07724

732-299-9722

Vea el horario abajo

Lunes	9:00am-5:00pm
Martes	9:00am-5:00pm
Miércoles	9:00am-5:00pm
Jueves	9:00am-5:00pm
Viernes	9:00am-5:00pm
Sábado	Cerrado
Domingo	Cerrado

Mapa y cómo llegar Conozca al equipo

Lo que dicen los clientes sobre el equipo de Tinton Falls

4.97

188 reseñas de clientes

Reseñas verificadas de clientes a través de Experience.com

Communication and easy to work with

JOSEPH F

KEYPORT, NJ

nov 2026

Mike and team were easy to work with, very communicative, explained things well, and always got back to me quickly. Highly recommend!

JESSICA F

KEYPORT, NJ

nov 2026

Mike and the team were very helpful and responsive throughout the mortgage process. As first-time homebuyers, Mike was always available to walk us through the various stages of the process and answer any questions we had, which helped keep our anxieties at bay.

MATTHEW S

ABERDEEN, NJ

oct 2026

Chris was great, and patient. Took thge tiome explain things even though I could have used online tools. I simply prefer a live person who could contextualize my specific scenario to answer my questions.

ALEXANDER P

WOOD RIDGE, NJ

ago 2026

Very helpful

ANDREA F

HOWELL, NJ

ago 2026

super competitive rate transparent process and very flexible.

SHANTANU D

JERSEY CITY, NJ

jul 2026

6 / 25

Gratis · Sin compromiso

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Una conversación rápida, sin compromiso, y una precalificación no afecta su crédito. Respuestas reales de una persona real.

Precalifíquese Llame al 732-299-9722 Sobre Loraine

Infórmate antes de llamar.

Guías en lenguaje sencillo de la base de conocimientos de Advisors.

Explorar la base de conocimientos

Base de conocimientos 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 … Leer el artículo Base de conocimientos 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… Leer el artículo Base de conocimientos 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… Leer el artículo

Guías gratuitas de Loraine

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.

Lee la guía

Haga sus cálculos

Estimaciones al instante — luego Loraine las convierte en una cotización real.

Estime su pago mensual completo — capital e interés, impuestos, seguro y PMI cuando el pago inicial es menor al 20%.

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Capital e interés—

PMI (est.)—

Impuestos + seguro + HOA—

Monto del préstamo—

Obtenga una cotización exacta

Estimaciones solo con fines ilustrativos — no son una cotización de tasa ni un compromiso de préstamo. Los impuestos, el seguro y los términos del programa varían.

Últimas noticias del mercado

5 oct 2026PCE Inflation Report Cooler Than Expected

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

28 sept 2026The Shift to a Buyers’ Housing Market

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.

Source: Redfin: Buyers vs. Sellers, August 2026

21 sept 2026The Fed’s Policy Change and its Effect on Mortgage Rates

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