About Victoria
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.
Licensed in NJ, PA
Free guides from Victoria
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 Victoria
Victoria works out of our Ocean, NJ – Headquarters office. Branch NMLS #33041.
What clients say about Victoria
43 client reviews
Verified client reviews via Experience.com
Victoria is someone very special to us. She has helped us throughout the years, and ultimately with purchasing our first home. She is very thorough and supportive, always wanting the best for her clients. having her in control, definitely put our minds at ease throughout this entire process. Team Victoria all the way!!!
Process was made easy
I had a great experience purchasing my home and to refinance was a breeze! Thank you for helping me !
what do i I put here
Victoria was great. Always made herself available, even after my work hours. Very accommodating - always explained everything to my daughter as I wanted her involved. I believe the only problems we had were from my condo assoc. or my insurance company, otherwise great experience. Would definitely recommend. Thanks!
I have worked with Victoria on several real estate transactions and she is absolutely terrific! Diligent follow-through and always answering any questions I have. I look forward to working with her again in the future!
The reliability and fast acting service if I needed help.
Victoria did a great job.
Victoria was amazing . This is a nerve-racking process and she made it smooth and seamless. Victoria answered every question and made this a very easy transaction. I have and will continue to recommend her to anyone during the home mortgage process.
Very personalized attention
Victoria is the best of the best! The mortgage process was smooth and easy to navigate. Victoria was extremely responsive and happy to answer any questions. Highly recommend her!
Loved working with Victoria and Zephan! Very professional, got everything done straight away. Very happy with them!
Victoria Browne is what made it a great experience. I will recommend her to anyone I know looking to buy a house in the future.
simple, easy, efficient. Great customer service
Victoria was very helpful thru my mortgage process, she gets 5 stars.. I will recommend her to anybody looking for a loan..
So nice to work with good supportive people that care about our needs
Excellent service
Ah- I don’t do social media stuffs! It makes me feel exposed!
Victoria Browne was the reason for our terrific experience. Her attention to detail and patience with our questions and inexperience made a stressful situation a successful outcome, we couldn’t have been happier with her, will definitely recommend her to our friends and family.
Victoria thank you for all you did for us. We finally have our dream home. 🏡 Can’t say enough about you sweet, kind, professional(above & beyond) and amazing experience for us.
Our family invests in properties often and never have they closed in 29days.
The whole team is very supportive and they respond quickly to our questions. We are happy for the smooth and successful process.
As I mentioned, Victoria was the only person I had to deal with. She was very professional and pleasant to work with.
What made my experience great? VICTORIA BROWNE! She was so professional, knowledgeable, prompt, and patient with us. Day or night she made herself available to answer any questions or concerns we had. There are truly not enough words for us to describe how thankful we are for her. She made our experience enjoyable and we will forever be grateful for her! THANK YOU a million times Victoria. You are PHENOMENAL!
Victoria was nothing but amazing the whole home buying process. We hit a few hurdles in the road that I thought would make it impossible but over and over she reassured me we would get it done. She is knowledgable in her field and it shows. Victoria worked what seemed to be 24-7 with answering any questions I had and making sure everything moved in a timely manner. I will be recommending Victoria to everyone I come across looking to buy a home!
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
