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 #180855
Amy Meyer
Where do you want to start?
Pick a path. Amy takes it from there.
4.96★average rating
400client reviews
31states licensed
Ocean, NJhome office
Loan Programs
Popular loan programs.
Not sure which fits? Ask Amy — 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.
Learn more
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.
Learn more
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.
Learn more
0% down
USDA Loans
100% financing for homes in eligible rural and suburban areas.
Best for: Moderate-income buyers outside major metros.
Learn more
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.
Learn more
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.
Learn more
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.
Learn more
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.
Learn more
About Amy
Meet Amy.
For over 27 years, I’ve enjoyed helping my clients achieve the dream of homeownership. Buying a new home is a major investment and one of the biggest commitments you’ll ever make. As such, it’s important to work with someone like myself who can provide a high level of service and guidance based on my many years of experience. Whether you’re a first-time homebuyer, a move-up buyer reaching for that “forever house”, or you’re looking for that perfect vacation home, I’m available seven days a week, including nights and weekends!
Advisors Mortgage’s goal is to put families in homes across the country. We are the mortgage company where family truly comes first. For every home financing question, a trusted Advisors’ loan officer is waiting to help provide the expertise needed to get your loan closed. Whether it’s a loan to help you buy the house of your dreams or to refinance to update your kitchen, Advisors has the skills to make it happen. With offices throughout the US, Advisors does not rest until each and every customer feels the family-driven culture that the company strives for each and every day.
If you are looking at a home that needs updating we can even help you Buy It, Fix It, and Love It with FIX-IT MORTGAGE by Advisors Mortgage Group!
Licensed in 30 states + DC
ALAZCACOCTDCDEFLGAILINKYMAMDMEMINCNHNJNYOHORPARISCTNTXVAVTWAWV
What clients say about Amy
4.96
400 client reviews
Verified client reviews via Experience.com
Thank you Amy,
P
PEEJAY S
FREEHOLD, NJ
The process was smooth and easy. Amy and Janet walked us through the process every step of the way. I couldn't recommend them more, they are just absolutely wonderful!
A
ASHLEY R
MIDDLETOWN, NJ
responsive, helpful and approachable
M
MARY D
FREEHOLD, NJ
Wonderful experienced Amy and made tful throughout the entire process
R
RONALD R
MIDDLETOWN, NJ
Janet was very helpful
L
LAURA K
RED BANK, NJ
My title company VIP Closing Services recently closed a transaction with Advisors Mortgage Group. I was in touch with Danielle Mizrachi all the time and she did a fantastic job processing the loan file. She's super proactive, fast and accurate. As a settlement provider I wish all the mortgage lenders I work with were as great as Danielle, that's alleviate tons of last minute stress in the borrower. Thank you Danielle and I look forward to working with you and your company again soon! AC with VIP Closing Services
A
Aracelis C
Amy and Janet made the process less scary. They always reassured me that they were there for me, anytime, and that my many questions and fears were not a problem.
T
THOMAS S
WILLOW SPRING, NC
Great work
G
GEORGE W
VINCENTOWN, NJ
I recently completed my mortgave transaction with Amy Meyer from Advisor Mortgage. i have worked with several firms in my life . Amy and her team is the best. She put her best team - huge help with my home appraisal. Plus, the closing date got delayed by nearly three months but Amy was very accomodating with rate lock extensions. She was also the most competitive amongst all the other lenders I shopped. Highly recommend her!
M
MADHAV V
KEANSBURG, NJ
Wonderful and hassle free experience to work with Amy and team!! Highly recommend.
A
ANASUYA G
KEANSBURG, NJ
Great experience
H
HANY M
MORGANVILLE, NJ
Excellent overall experience
J
JAMES K
BARNEGAT, NJ
Everything from start to finish was direct concise and friendly!
R
RONALD M
RED BANK, NJ
Very professional and knowledgable employees. I felt like everybody went above and beyond to get my deal through.
T
THOMAS K
MANCHESTER TOWNSHIP, NJ
amazing transaction!
A
ALEXIS T
TOMS RIVER, NJ
Great experience from start to finish thanks to your team! Grace Deemers & Anthony Dinapoli are and were fabulous! Always there for me when I needed them. This is about the 8th time I have worked with them and once again made what I thought impossible to happen become a reality with ease, professionalism and caring! Thanks!
J
JUSTINE G
NORTH MYRTLE BEACH, SC
Amy and Janet were both essential and accesible to us the whole time, they were fully on task and made us feel at ease through out the entire process.
B
BETHANY L
UNION BEACH, NJ
Excellent customer service and attention to detail. I felt like my loan was top priority . Any questions I had were answered immediately even after normal business hours. I would highly recommend to anyone who is looking for a mortgage. Amy and Janet are the absolute best!!
K
KRISTEN S
BRICK, NJ
They were always pleasant willing to help. We had a few issues, but we did work them out not their fault but things did come up very pleasant.
M
MARY L
TOMS RIVER, NJ
Everyone was so helpful and willing to get me answers as quickly as possible.
K
KYLE N
GLEN GARDNER, NJ
I've now worked with Amy and her team 3 times. Each time, I've received excellent service -- they've been thorough in setup, patient in answering my questions, and willing to work with me to get me the best rate they can.
J
JAMIE H
TOMS RIVER, NJ
5 STARS FOR AMY AND JANET They were thourough with their numbers, quick to respond, and always offered creative solutions for any hurdle or concern we had. They helped me win a bidding war not once but TWICE. I wouldn't use anyone else!
W
WINIFRED M
MIDDLETOWN, NJ
Very knowledgeabl, and helped my wife and I purchase our first home.
M
MATTHEW K
SAINT AUGUSTINE, FL
Advisors Mortgage will be recommended to friends and family in the future. Best company for your moving needs.
V
VIRGINIA C
MYRTLE BEACH, SC
We had a great experience with Advisors Mortgage. They were easy to work with, very meticulous on their work which we appreciate so much, and they are very patient to answer all out questions how small they may be.
J
JEANE AIKA T
FREEHOLD, NJ
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 Amy
Amy works out of our Ocean, NJ – Headquarters office. Branch NMLS #33041.
1411 Highway 35, Ocean, NJ 07712Show map
Let's Talk
Tell Amy what you're trying to do.
Send a message and it goes straight to me — no call centers, no waiting.
Ready to get started with Amy?
Apply online in minutes or call Amy directly — no call centers, no waiting.
