About Andrea
Andrea Ziajski brings her 24 years of experience in residential mortgages and investment properties to Advisors with the goal of helping people attain the dream of homeownership. With a background of handling various types of loans such as Conventional, FHA, VA and Renovation Loans, Andrea’s able to guide her clients through a seamless and stress-free transaction. In her free time, Andrea loves to travel, cook, bake treats for her family & friends and also enjoys biking. Her love of the Italian language keeps her immersed in European culture.
Licensed in NJ
Free guides from Andrea
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 Andrea
Andrea works out of our Red Bank, NJ office. Branch NMLS #131572.
What clients say about the Red Bank team
206 client reviews
Verified client reviews via Experience.com
Jane was very nice and super helpful in the whole process!
Five stars all around
Thank you for the prompt completion of the transaction within the required timeframe, and thank you for understanding exactly what was required in this transaction.
and Grace were on top of everything that needed to be done and helped guide us along the . I highly suggest using Jennifer. We had a VA loan which was a little more complicated and she guided us through it succinctly and efficiently. We are very grateful for the great job she did.
They are availability and quality of servic.
Jane is the best!!
Good service
Jane Mcclutchy, Justin and everyone was awesome. My attorney Rose Trafton and Alina at the title company. I felt everyone involved in this process was just as invested in this purchase as I was. I had already recommended Jane to my friend Bilal and reminded him to give her a call when he is ready. They will go above and beyond.
Jane was a pleasure to work with. She was informative and communicated throughout the whole process. She made herself available able when needed and I highly recommend her and Advisors. Jane is committed to her role and goes above and beyond for her clients. Thank you!
Simone was there for me the whole time. she genuinely cared and worked hard to get me the best rate and make sure it all worked out
Jennifer Hicks is the epitome of an incredible mortgage agent.She exudes excellent customer services skilss throughout the loan process by communicating effectively, handling each challenge with a smile.She has been incredibly supportive, detail oriented, and a true professional from start to finish.I am so happy I chose her to assist me in getting the loan for my house.
Bery Very good customer service
I loved working with Simone she was amazimg she was available to me at any hour of the day. Everythjng was so smooth she explained everthing So clear. Thank you so much Simone Alhalabi
Jane was a pleasure to work with! She communicated fast and efficiently. She answered all of my problems and made getting a mortgage relatively painless. Thanks!
Great experience
I am incredibly grateful for Jane's guidance and support throughout this process. She supported me every step of the way. There were many ups and downs in the process for me, but Jane was a constant in her availability and thoroughness. You can tell she truly cares, and truly went above and beyond. Thank you, Jane!
Thank you for the hard work. Your efforts really paid off. I feel lucky to work with you as you are very innovative. I really appreciate the time and effort you have put in for my journey to a grand success .
Everyone was so easy to work with. Everything went well.
Jane is running a top shelf operation with very personal and honest employees too. My deal was done from out of state and couldn'tt have gone smoother.
Thanks for your services
I totally recommend Mortgage Advisors Group, they are really professionals and customer service oriented, they are fast and also they show their willingness to help. We had a really positive experience doing business with them. Communication was punctual, always king and professional. Thank you for all the support during this process.
Simon Alhalabi. She did a great job ,available for me no matter what time. always had an answer for all my rocky questions. she have a lot of patience and always gave me confidence and made sure ill know what to expect and what to do next. It was very challenging time nut I'm sure that having Simon guiding me made it much easier and doable process.
Jane was fantastic, was able to provide me with a pre approval on a Sunday after contacting her late Friday evening. If it weren’t for her quick turn around I would have missed the opportunity.
Very easy process, Jennifer helped with everything and answered any questions in detail, was also very quick answering questions via email! Highly recommended!
Jane McClutchy and Advisors Mortgage secured my home loan and made sure to be able to get me through the process until the end. Even though we had hiccups, they supported me and made sure I understood everything that was being delivered and requested of me. I am grateful to have been working with Jane McClutchy and Advisors Mortgage Group.
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
