About Sadi
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.
Licensed in NJ
Free guides from Sadi
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 Sadi
Sadi works out of our Holmdel, NJ – Team Ruppert office. Branch NMLS #1404628.
What clients say about the Holmdel team
371 client reviews
Verified client reviews via Experience.com
This is the second time I have had the pleasure of working with Larry to purchase a new home. He is very thorough and helpful throughout the entire process and I highly recommend him!
I can’t even begin to tell you how amazing Larry, and his team was in my journey to buy my childhood home. They made it happen! Larry thank you for all your hard work in helping me achieve ownership.
Made the process very easy and understandable
Jim Garrity is extremely experienced and exceeded my expectations. Jim took the time to expain this complicated process and cared enough to make sure my interests were covered.
We've used Jim Garrity for several mortgages. He is helpful and responsive. Always a great experience!
I'm a real estate investor and I have used Jim Garrity to acquire all of my financing for the past 5 years.. He goes out of his way to find the best possible companies to get the best financing and interest rates possible. It's not just about business with Jim he genuinely cares about his client's goals.. He's real as It gets and tells it the way it is like a true friend would.
A very smooth process throughout
Larry was a great resource in our home purchasing process and was happy to answer any questions and offer advise along the way!
Larry was a pleasure to work with. He's very knowledgeable, provides fast service, and consistently goes above and beyond to meet customer needs.
Larry is absolutely incredible and a pleasure work with! Highly recommend!!
Chrissy and her team were great and very helpful throughout the whole process even when thing were delayed they were very communicative and assuring every step of the way
was very knowledgeable and pleasant was doing this from out of state. They guided me through the entire process. Kept me updated. don't know how I would've managed this without the wonderful team at advisors mortgage.
Larry and his team helped execute a very quick purchase of our clients beach front home in LBI. He was super communicative and responsive throughout the transaction! I’d be happy to work with him again and refer him future clients.
Eric was always there to help me and ensure that I got the loan and grant that I was eligible for. He did everything he could and would be there to answer questions no matter the day or time. I would not be in the house I am in were in not for him, so I am very thankful for his help.
Loan process was easy and friendly. Every step was very easy and super informative. Kudos to James and the team!
Second property purchase with Advisors Group and Jim specifically. If in the market again I will contact Jim. He was accessible , knowledgeable , supportive really did his work to get us what would work for us.
We enjoyed working with Jim and the team at Advisors Mortgage Group when purchasing our first home - everyone was very responsive and friendly and made the whole experience very smooth. Thanks very much to the team.
Communication was great and everything was taken care of in a very timely manner.
The refi process was so simple. I continue to return to Advisors to work with James, Kristy and Fern because they are wonderful to work with.
Jim, Kristy and team always make the challange of home buying as easy as they can on the financing side. They are always available for questions, bouncing things off of, and creative financing strategies. We have closed multiple deals with Jim and team, and will continue using them in the future!
Extremely helpful throughout the entire process! They made everything so easy
Everything went smooth.
Katie and I cannot say enough good things about James and his entire team at Advisors Mortgage Group. From start to finish, they were incredibly thorough, patient, and genuinely helpful every step of the way. As first-time buyers navigating a complex process, we truly would have been lost without their guidance and expertise. James and his team took the time to explain everything, kept us informed, and made what could have been a stressful experience feel smooth and manageable. Thanks to their outstanding support, we are now in a home we are genuinely excited about and so happy to be in. We are beyond grateful and would highly recommend Advisors Mortgage Group to anyone looking for a team that truly cares.
Larry was absolutely fantastic to work with throughout our mortgage process. He patiently answered all of my numerous questions (and there were many!), explained everything clearly, and made sure we felt confident at every step. He was incredibly responsive — quick to reply to emails and texts — and was always available whenever we needed him. His professionalism, knowledge, and genuine willingness to help made what could have been a stressful process feel smooth and manageable. Because of Larry’s responsiveness and efficiency, we were able to close in time to celebrate this Christmas in our new home, which means more to our family than words can express. I highly recommend Larry to anyone looking for a reliable and trustworthy mortgage lender.
Larry was great to work with! Very communicative throughout the entire process. Explained everything in detail so I could understand. Could not recommend him enough!
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
