Sobre Samuel
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.
Con licencia en NJ
Especialidades: Hipotecas para policías y bomberos · Idiomas: español
Guías gratuitas de Samuel
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.
Dónde encontrar a Samuel
Samuel trabaja desde nuestra oficina de Point Pleasant, NJ. Rama NMLS #2022246.
Lo que dicen los clientes sobre Samuel
235 reseñas de clientes
Reseñas verificadas de clientes a través de Experience.com
Samue Hernandez always was avalible to help you dont matter wat time thank you
Five starts
Good advice and communication.
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 !!
Thank you so much!!!! If it was not for you, we were never had close this deal! Yoiu are the best!!!!
Sam and his team are amazing, honest and up Fremont with everything. They will work to get you what you need!
estoy muy feliz gracias
Excellent services! Samuel and the the team made the loan process quick, and stress free. Highly recomended!
The ability for Sam to overcome challenges, the flexibility, the attention to detail, the personal touch, the communication at any time of day to get the job done.
thank you so much so all your effort to get Rob and I the best rate possible and make this experience so stress free!
My experience was honestly awesome! A process that I thought would be highly difficult did not seem that difficult at all thanks to everyone's help. I would definitely recommend the advisors team to anyone looking to purchase a home. They made the transition smooth and gave me all the information I needed during this process.
Amazing at Every level of the process!
The whole team was very helpful throughout the process. They were very straight forward with letting us know our boundaries. They did a great job staying on top of all parties involved to make sure the deal was done quickly and as planned from the start! Responses were always quick, and they were able to answer any questions
As a first-time homebuyer, Sam made the entire home-buying process feel effortless. He is much more than a loan officer; he is a mentor. Sam took the time to walk me through every step of the process, patiently answering all of my questions and ensuring I felt comfortable and informed along the way. His knowledge, professionalism, and friendly approach made what could have been a stressful experience much easier to navigate. I learned so much from working with Sam and truly appreciated the guidance he provided throughout the mortgage application process. I highly recommend Sam to anyone looking for a mortgage professional who is knowledgeable, responsive, and genuinely invested in helping his clients succeed.
Great experience
Sam was incredibly, the entire time I really felt that I could trust him. I am grateful that I got to work with him in such an important life decision
This team made my loan process easy and efficient. They communicate well and kept me informed througout the process.
Sam and his team made what could have been an extremely stressful time very easy for us. They were all very responsive and made the process simple
Sam was great, always available and willing to help. Would definitely do buisness with Sam again.
Great experience from start to finis.
First time buying a home and this mortage group made it very easy with no stress.
overall great experience ! Made it a very easy and smooth transition into our new home and couldn't be more thankful
Sam, was always available for my questions. He made me feel less stressed and confident about my ability to be approved for the mortgage.
we had a wonderful knowledgeable Loan Officer, Sam Hernandez, who assisted us every step of the way.
Últimas noticias del mercado
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
