About Larry
Born and raised in London, Larry came to the U.S. in 1980 with a band and decided to stay. Married to Eugenia Gould, he is the proud father of 3 sons. A 20 year veteran of the mortgage industry, Larry has great passion for helping First Time Buyers achieve their part of the American Dream, of which he believes home ownership to be a cornerstone.
Licensed to do mortgages in multiple states, he is devoted to his many clients and referral partners and goes to great lengths to bring the utmost value to them. When not doing mortgages he and his wife are active in serving others through the church and his key to success is to ALWAYS look first to bless others.
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Licensed in FL, NC, NJ, PA, SC
Free guides from Larry
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 Larry
Larry works out of our Ocean, NJ – Headquarters office. Branch NMLS #33041.
What clients say about Larry
222 client reviews
Verified client reviews via Experience.com
This is the second time I have had the pleasure of working with Larry to purchase a new home. He is very thorough and helpful throughout the entire process and I highly recommend him!
I can’t even begin to tell you how amazing Larry, and his team was in my journey to buy my childhood home. They made it happen! Larry thank you for all your hard work in helping me achieve ownership.
A very smooth process throughout
Larry was a great resource in our home purchasing process and was happy to answer any questions and offer advise along the way!
Larry was a pleasure to work with. He's very knowledgeable, provides fast service, and consistently goes above and beyond to meet customer needs.
Larry is absolutely incredible and a pleasure work with! Highly recommend!!
Larry and his team helped execute a very quick purchase of our clients beach front home in LBI. He was super communicative and responsive throughout the transaction! I’d be happy to work with him again and refer him future clients.
Extremely helpful throughout the entire process! They made everything so easy
Larry was absolutely fantastic to work with throughout our mortgage process. He patiently answered all of my numerous questions (and there were many!), explained everything clearly, and made sure we felt confident at every step. He was incredibly responsive — quick to reply to emails and texts — and was always available whenever we needed him. His professionalism, knowledge, and genuine willingness to help made what could have been a stressful process feel smooth and manageable. Because of Larry’s responsiveness and efficiency, we were able to close in time to celebrate this Christmas in our new home, which means more to our family than words can express. I highly recommend Larry to anyone looking for a reliable and trustworthy mortgage lender.
Larry was great to work with! Very communicative throughout the entire process. Explained everything in detail so I could understand. Could not recommend him enough!
Larry was great to work with! Very communicative throughout the entire process. Explained everything in detail so I could understand. Could not recommend him enough!
I had very good experience, very good professionals, I had all the support during the entire process. I highly recommend Advisors for your next mortgage services.
Very professional, always there to help you.
Special thanks to Larry Gould for all his help
Today, we are blessed and grateful to say we closed on our home. Larry from Advisors Mortgage Group was amazing! He walked us through the entire process, gently guiding us while providing unlimited access and help. Needless to say, he was patient the whole way through! We highly recommend working with Larry, along with Fernanda, who was also extremely helpful and patient as well. A huge thank you to them both, along with the team at Advisors Mortgage Group for the help provided to get us here. Now our new chapter begins with shore living in our new home! Thank you again!
Larry was extremely helpful throughout our mortgage and home buying experience. I had many random questions that he happily and thoroughly answered for me.I’d highly recommend him!
Larry did a great job with the process
Excellent communication! And very calming.
It was great to work with Larry! He's very responsive and stays on top of the transaction making sure everything is done to get to closing on time! My clients and I were very happy with his professionalism and service! I would definitely recommend him to anyone looking for a mortgage.
Larry is extremely patient, and calmly walked us through what can often be a stressful process. We are thankful for his diligence and dedication.
It was a pleasure working with Larry.
Larry continuously kept everyone in the loop to ensure a smooth and enjoyable process closing for my clients. True professionalism and dedication. We would highly recommend him.
Loved working with Larry! great communication and really made the entire process quick and painless.
Fantastic experience with Larry achieving my families financial goals. Larry was very responsive and transparent. It was a pleasure to work with him!
Made the process so smooth and was always available and very easy to understand each step of the way. Would recommend over and over again!
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
