Sobre Kristofer
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
Guías gratuitas de Kristofer
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 Kristofer
Kristofer trabaja desde nuestra oficina de Wall, NJ – Jones & Walz Branch. Rama NMLS #173453.
Lo que dicen los clientes sobre Kristofer
454 reseñas de clientes
Reseñas verificadas de clientes a través de 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!!
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.
This process was made extremely easy with the help of Kris and his team
Great communication and efficiency!
thank you for all the help
Kris and Kimberly are the best! Made something you think that would be stressful stress free!!
Kris and Kim were great to work with. From the beginning Kris was very easy to talk to, very informative and patient! I would recommend them to anyone in need of a lender!
Kris and team were amazing to work with. we have worked with Kris over the past 8 years now and he has been wonderful to work with and partner with . He always is quick to respond and went above and beyond to secure our forever home. Would highly recommend!
I cannot say enough great things about Kristofer Jones. He made the entire loan process feel incredibly smooth and effortless from start to finish. He took the time to gather all of my information over the phone, which was a long process, and I really appreciated his patience and willingness to handle everything with me. Kris worked hard to get me the best rate possible and always kept me informed every step of the way. I never had to wonder what was going on because he was always quick to provide updates and answer any questions I had. The entire loan process moved much faster than I expected and thanks to Kris and his team, we were able to close right on time. I am so grateful for everything he did to make this experience stress free. If you are looking for someone who genuinely cares about his clients and goes above and beyond, I highly recommend Kristofer Jones.
I never in a million years believed I would be able to own a home on my own. I was divorced and had to start from scratch after staying home with my children for 12 years. Advisors mortgage helped me achieve a dream I didn't think was possible!
Great service And very responsive
Kris was a great help and absolute asset to our buying team. He works with intent and speed and was able to answer any questions that we had. Highly recommend and will definitely be coming back.
Lots of moving parts and unique issues and Kimberly handled everything and was so helpful.
very helpful and knowledgeabl!
Transparency and speed throughout the whole process
The entire process with Advisors Mortgage was straightforward, efficient, and everyone I spoke with was clearly very experienced, knowledgeable, and professional. There were no surprises and our loan closed on time.
Kris was incredibly responsive, knowledgable, and supportive throughout out the mortgage process.
is my second time working with Kristofer and Kim and they are my go to for any financing needs. Executi
Kris Jones and Advisors Mortgage were so helpful, thorough, and knowledgeable in guiding us through the mortgage process. I could not recommend them more we had a fantastic experience!
it was fun
Kris made the entire process from start to finish easy and stress free. Kimberly was also very helpful and always willing to answer my questions.
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
