About Virginia
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 FL, NJ
Free guides from Virginia
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 Virginia
Virginia works out of our Wall, NJ – Jones & Walz Branch office. Branch NMLS #173453.
What clients say about the Wall team
1,613 client reviews
Verified client reviews via Experience.com
Please see my last response about Kris!! KRIS!! The absolute MVP of our home buying process. Our homebuying process took way longer than anticipated because of the current market and also our situation of buying a mother daughter. Kris was so empathetic to our struggle and was so supportive this whole time. I NEVER felt like I was just "Commission" to Kris, I always felt like he genuinely cared.
Thank you!
Kris Jones and his team are easy to work with, easy to reach and made the process seamless. I definitely recommend them!
The process was made very simple.
Being a first time home buyer was scary and not something I ever thought I could easily navigate. Kristopher and Kimberly at Advisors, broke it down in easy simple to understand language and truly made it a process we sailed through, straight to being homeowners!!
What made my experience with Advisors Mortgage great, is that they never stopped communicating with me throughout the entire process. I never once felt like I was out of the loop or behind on information. Also, If I was ever confused about a certain document, they did not hesitate to explain it to me. Special shoutout to Justin Hatfield, my Loan Manager for my home purchase. He worked tirelessly to ensure that the condo association got us all the correct documentation for closing. It's nice to know you have people in your corner when a huge life event like this happens.
professional, knowledgeable and courteous service
Greg was with us through it all! He was there to help explain everything to us and as new home buyers, it was so educational. He was also available on weekend and after work. He truely put us at ease and made us feel understood. We had a very smooth 30 day close!!
All the info needed is in the survey already
Samue Hernandez always was avalible to help you dont matter wat time thank you
Five starts
I cant recommed enough. My husband and I just purchased our first home and Greg , Trish, and team made it the easiest process to complete and understand. They truly took the time to make sure we understood all steps of the way and that they had everything they needed to complete our closing on time . Greg made sure we had the best interest rate possible and his advice helped us keep our interest rate well below what the rate is now today. I am so thankful for this team making purchasing our first home a positive and educating experience. They took away all stress and took the time to explain every step of the way. They go above and beyond to put their customers first. THANK YOU!
Dave and his team are special assets to Advisors Mortgage. Keep up the great work , and hopefully we do more business together in future. First two times have been a charm!
David and his team make the mortgage process simple, and partnering. Thanks Advisors.
Good advice and communication.
Kris and Kim went above and beyond and made this process as smooth as possible. They were always quick to answer any of our questions. Very pleased and would highly recommend.
Vince has provided exceptional guidance throughout my real estate journey for over a decade, consistently streamlining and improving the process. He offers dedicated, personalized support and always ensures his clients' best interests come first. I highly recommend Vince to anyone seeking a knowledgeable and approachable mortgage professional.
Sam is a very kind and honest person when it comes to his recommendations; he is also very thorough in his explanations, ensuring everything is easy to understand. He was very accommodating in adjusting his schedule to fit our free time, and we are very grateful for all his effort and patience.
Sam Hernandez, was very helpful made this transaction so easy !!
This process was made extremely easy with the help of Kris and his team
Very easy process will recomend for sure
Thank you so much!!!! If it was not for you, we were never had close this deal! Yoiu are the best!!!!
thank you!
It was a real pleasure to work with the team at Advisors.
Great communication and efficiency!
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
