Branch Manager · NMLS #134037

Carmella McGonegal

Carmella McGonegal, Loan Officer
4.96★average rating
283client reviews
3states licensed
Bristol, PAhome office
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About Carmella

Meet Carmella.

One of the primary joys of being in the mortgage industry is helping people achieve their dream of owning a home. The process of getting a mortgage can be complex, but our team takes the time to guide our clients through each step making the process smoother and less daunting. Knowing that we are making a positive impact on people’s lives by helping them secure the right mortgage solution is both personally and professionally fulfilling.

After being in the industry for 21 years, I have developed deep relationships with clients, colleagues, and partners in the industry. Being able to work with people I respect and admire makes it feel more like a community, where everyone is working together to achieve a common goal. Contact me today for a complimentary consultation and I look forward to helping you achieve your goals.

Licensed in 3 states
FLNJPA

What clients say about Carmella

4.96

283 client reviews

Verified client reviews via Experience.com

Been working with carmella gor years and continue to come vack becaue she really is the best!

M
MICHAEL H
PHILADELPHIA, PA

Very friendly and willing to help with anything you are concerned with. I strongly recommend this company!

T
THOMAS L
BENSALEM, PA

Carmella was very responsive during the whole process and made the process go very smoothly

J
JEFFREY W
WARMINSTER, PA

Very attentive with deadlines and keeping everything organized and made the process very smooth

J
JOHN S
LEVITTOWN, PA

Carmella was awesome to work with! She was super knowledgeable, always quick to handle any issues that came up, and stayed on top of everything the whole time. She made the process feel easy and stress-free. Highly recommend!

H
HANNAH B
LEVITTOWN, PA

Thank you so much for everything you all did for us. You made the process so smooth .

R
ROBERT B
LEVITTOWN, PA
6 / 25
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Free guides from Carmella

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.

Home Buyer Guide

Programs, paperwork and pitfalls — the full buying playbook.

Home Seller Guide

Selling and buying at the same time? Start here.

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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

Where to find Carmella

Carmella works out of our Bristol, PA office. Branch NMLS #1749249.

424 Mill Street
Bristol, PA 19007
Hours
424 Mill Street, Bristol, PA 19007Show map
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Carmella McGonegal, Loan Officer
Carmella McGonegal
Branch Manager · NMLS #134037
215-901-8083cmcgonegal@advisorsmortgage.com

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Awards & accolades
New Jersey's 50 Fastest Growing CompaniesMortgage Executive 50 Best Companies to Work ForNJBiz Best Places to Work NJ - 8 Years in a Row!HECM World Top 15