“In my 20 plus years in the mortgage industry, I have had the opportunity to help numerous people on their road to homeownership. My customers get the utmost exceptional and attentive service and I love establishing long lasting relationships with them. I enjoy living in South Jersey by the shore and all it has to offer such as the beach, kayaking, restaurants and concerts. I also enjoy traveling and spending time with family and friends.

Licensed in 3 states

FLNJPA

Awards & recognition

Fix-It Mortgage Certified

Start your application

Apply online in minutes — Denise takes it from there.

Apply Now Email Denise The Lighthouse app First-time buyer guide

“Advisors Mortage was a great company to help us obtain our forever home. We worked with Denise and she was there every step of the way. From day one she was there showing us all the options we had and what we could do to…”

CHRISTINA H · 2024-11-21

Denise's Branch

Linwood, NJ

Branch NMLS #1663364

599 New Road
Linwood, NJ 08221

609-601-4390

See hours below

Monday	8:30am-5:00pm
Tuesday	8:30am-5:00pm
Wednesday	8:30am-5:00pm
Thursday	8:30am-5:00pm
Friday	8:30am-5:00pm
Saturday	10:00am-2:00pm
Sunday	10:00am-2:00pm

Map & directions Meet the team

What clients say about Denise

4.98

37 client reviews

Verified client reviews via Experience.com

The process was quick and easy, thanks to Denise's expertise and advice. We knew exactly what was needed and what the next step in the process was. She eliminated any confusion and was there to answer all questions we had. Thank you for the wonderful and quick service.

MAGDALENA D

HAMMONTON, NJ

Aug 2026

You all made it an easy process thank you

HELENEA T

NORTH CAPE MAY, NJ

Jul 2026

Stressful for us spending $. Nothing to do with Denise

JOSEPH T

NORTH CAPE MAY, NJ

Jul 2026

Denise made the whole process very smooth, fast and provided help every step of the way. Thank you for all the help, fast process and minimal amount of nerves burnt. It was great working with professionals!

ALINA S

VILLAS, NJ

Apr 2026

Denise made it feel like a family enviroment the whole entire time I was at her office and made me and my significant other feel comfortable

CARLOS C

EGG HARBOR TOWNSHIP, NJ

Jan 2026

Denise was so helpful through the whole process of doing a cash out refi. She was always available to answer all our questions. She made it possible for us to achieve our goal of acquiring a vacation property. I would recommend her highly to any friends i have who are looking to purchase a home.

KIMBERLE F

PHILADELPHIA, PA

Oct 2025

6 / 25

Free · No obligation

Not sure where you stand? Just ask — it is free.

A quick conversation, no obligation, and a pre-qualification has no impact on your credit. Real answers from a real person.

Get pre-qualified Call 856-982-9041 About Denise

Read up before you call.

Plain-English guides from the Advisors Knowledge Base.

Browse the Knowledge Base

Knowledge Base What Credit Score Do You Need to Buy a House? Purchasing a Home and Credit Scores Purchasing a home is one of life’s most significant financial milestones. While factors like income, savings, and … Read the article Knowledge Base How Much Money Can You Borrow With a Home Equity Line of Credit? A home equity line of credit—better known as a HELOC—can be a smart way to tap into the value of your home. It works like a revolving credit line, sim… Read the article Knowledge Base How to Increase Your Credit Score: 7 Steps to Get Started Your credit score plays a big role in your financial health—it can impact everything from your ability to get a mortgage to the interest rate you’ll p… Read the article

Free guides from Denise

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.

Read the guide PDF version

Home Buyer Guide

Programs, paperwork and pitfalls — the full buying playbook.

Download

Home Seller Guide

Selling and buying at the same time? Start here.

Download

Run Your Numbers

Run your numbers

Instant estimates — then Denise turns them into a real quote.

Estimate your full monthly payment — principal & interest, taxes, insurance, and PMI when the down payment is under 20%.

Estimated monthly payment—

Principal & interest—

PMI (est.)—

Taxes + insurance + HOA—

Loan amount—

Get an Exact Quote

Estimates for illustration only — not a rate quote or commitment to lend. Taxes, insurance and program terms vary.

Latest market updates

Oct 5, 2026PCE Inflation Report Cooler Than Expected

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

Sep 28, 2026The Shift to a Buyers’ Housing Market

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.

Source: Redfin: Buyers vs. Sellers, August 2026

Sep 21, 2026The Fed’s Policy Change and its Effect on Mortgage Rates

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