About TJ
T.J. Hildebrand brings 25 years of mortgage experience to buyers and homeowners throughout Pennsylvania and New Jersey. His lending practice has a strong focus on the Jersey Shore’s second-home market, particularly condominium financing in Cape May County, Wildwood, North Wildwood and Wildwood Crest.
With a background in mortgage branch management and firsthand experience living and working at the shore, T.J. understands the financing considerations that come with purchasing a vacation home or investment property. He helps buyers and their Realtors understand how borrower qualifications, condo association documents, budgets, insurance and project eligibility can affect their mortgage options.
In Pennsylvania, T.J. serves Philadelphia and the surrounding counties, with particular emphasis on Bucks County and Montgomery County. He works with clients purchasing primary residences, second homes and investment properties, as well as homeowners exploring refinancing.
T.J.’s approach is straightforward: listen to each client’s goals, explain the available options clearly, and identify potential financing issues early. Whether you’re buying a condo at the Jersey Shore or a home in the Philadelphia suburbs, he brings local knowledge and 25 years of lending experience to the conversation.
Licensed in NJ, PA
Free guides from TJ
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 TJ
TJ works out of our Linwood, NJ office. Branch NMLS #1663364.
What clients say about TJ
222 client reviews
Verified client reviews via Experience.com
Overall a good experience Thanks!
TJ, Abby and Adel were very attentive and prompt responding to any questions or concerns. Made this process as easy as possible for my wife and I
The process of buying a home is stressful and difficult, however TJ made this extremely easy for us. TJ and everyone at Advisors Mortgage Group were right there alongside of us the whole way. No matter what day of the week or time it was, TJ would answer any questions I had immediately. I can't reccomend this company enough for anyone looking to buy a home!
Very good communication and quick approval.
The Advisors Mortgage Team were great to work with, TJ, Abby and Adele took care of business to ensure we were able to keep our settlement date even with difficult circumstances that were out of their control. I'd recommend this team to anyone in the market for a mortgage!!!
Advisors Team was exceptional, met a very tight deadline. Absolutely will recommend.
Despite the Sellers holding up the process, Thomas did a great job of getting everything completed for our settlement to happen on the date scheduled! :)
I highly recommend Advisors Mortgage Group for anyone looking for personalized 1:1 support from a knowledgeable team. TJ and Abby were so helpful throughout the entire homebuying and loan origination process.
am so grateful for the team at advisors. Everyone was very professional and very helpful. There were always easy to get a hold of and we're quick to respond to any of my emails text messages or calls.
The level of knowledge and precise info given by TJ and Abby made the process to be smooth and successfull
TJ is a rockstar!
TJ and Adele were professional and helpful throughout the whole process, very appreciative of all their help!
The team was helpful from the start of our process! We We were guided step by step through the entire process . The platform That was used was to upload documents requested was easy to navigate and the team answered any questions that we had in a timely manner. All were very and responsiv-Overall great experience and would recommend to others.
Very smooth experience, TJ and his staff were very professional, and easy to work with.
TJ and his staff were superb in handling our mortgage. They were very informative and answered all our questions immediately. The process went smoothly and quick. I would definitely recommend Advisors for your mortgage needs. Thank you for everything you did to make our shorehouse possible!!
Everything went smoothly
TJ, Adele and Abby took all the stress that usually goes along with purchasing a home and made is stress free, they were very specific about what I needed and responded to my texts and emails immediately-even at 10pm. I'm very grateful my friend suggested TJ to work with when buying our dream house at the shore. Carol and Ron
Excellent service , knowledge and patience.
The entire process was made as easy as possible thanks to all the help from the team. I believe we received accurate and helpful advice to help guide our decisions
The process went smoothly. The end result was just what we had expected
TJ always got back to us timely and gave explanations that were easy to understand. He navigated us through the recent interest rate hikes and made us feel comfortable with our decision.
Great experience
I am happy to share rave reviews for TJ and Advisors Mortgage! I used them twice this past year for a 1st and 2nd home...they were timely, consultative, easy to work with, available, trustworthy and most importantly really demonstrated having the best interest of their client top of mind! Highly recommend!
Really good and thoughtful service. Was easy and quick.
It was very smooth and I felt very comfortable. There were challenges with the closing and TJ handled the rapid changes
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
