Sobre Chrissy
I am in the mortgage business because I enjoy building relationships with my clients and guiding
them to homeownership. I am a mother of two young girls and have a passion for health and
fitness, including yoga, paddle boarding just to name a few. As an active member of my
community, I am involved in a local charity which benefits active military. Contact me today for a
complimentary mortgage consultation. I am always happy to help!
Con licencia en NJ
Guías gratuitas de Chrissy
Guía para compradores primerizos
Por qué ser propietario, los 7 pasos, la lista de documentos y qué hacer y qué no: léala aquí, sin descargas.
Dónde encontrar a Chrissy
Chrissy trabaja desde nuestra oficina de Ocean, NJ – Headquarters. Rama NMLS #33041.
Lo que dicen los clientes sobre Chrissy
12 reseñas de clientes
Reseñas verificadas de clientes a través de Experience.com
Chrissy and her team were great and very helpful throughout the whole process even when thing were delayed they were very communicative and assuring every step of the way
working with chrissy was amazing!
Chrissy Cleveland -- the best!
Easiest mortgage process I ever experienced Chrissy Cleveland A++++
Chrissy was outstanding from start to finish. She was always available, and really made me feel like she was there for me every step of the way. As a first time homebuyer the process can be overwhelming, but she made sure my experience was as easy and simple as possible. I also never felt like she was trying to sell me on anything I didn’t need, or offer me anything other than exactly what I needed.
Christy went above,ty
Chrissy was a pleasure to work with. Her knowledge and ability always find the answer was very helpful. She made process smooth. I appreciate all work her and her team to put.
While my experience was mostly great, there were times of frustration when I was receiving e-mails between team members that I did not have to be involved in. The number of emails through this process is already high without those.
Excellent work team and Chrissy is an excellent person, we are very happy with all her performance and work.
I had the pleasure of working with an outstanding loan officer during the process of purchasing my first home, and I cannot express enough gratitude for her exceptional service. From start to finish, Chrissy Cleveland went above and beyond to ensure our experience was smooth, informative, and stress-free. Right from our initial meeting, her depth of knowledge and expertise were evident. She patiently guided us through the intricacies of the loan process, taking the time to explain each step in detail. Her ability to break down complex financial jargon into understandable terms made us feel confident, even though we were complete novices in the realm of home buying. What truly impressed me was her unwavering dedication to our needs. She was there for us every step of the way, promptly responding to our questions and concerns, regardless of the time or day. Her availability and responsiveness were truly remarkable, providing us with a sense of reassurance throughout the entire journey. Beyond her responsiveness, her professionalism was unparalleled. She exuded a level of professionalism that instilled trust and confidence in us. Her attention to detail was extraordinary, ensuring that all necessary paperwork and documentation were in order well ahead of deadlines. She meticulously reviewed every aspect of the loan, leaving no stone unturned. Furthermore, her ability to navigate the complexities of the financial landscape was simply remarkable. She provided us with invaluable insights and recommendations, enabling us to make informed decisions. We never felt rushed or pressured; instead, she empowered us to make the best choices for our long-term financial well-being. Thanks to her guidance and unwavering support, we successfully secured a loan that perfectly fit our needs. We are now proud homeowners, and we owe a significant debt of gratitude to our exceptional loan officer. I wholeheartedly recommend her services to anyone in search of a loan officer. Her expertise, professionalism, and dedication are unmatched. Whether you're a first-time homebuyer or an experienced investor, she will undoubtedly provide the same level of exceptional service. When the time comes for future investment purchases, I will not hesitate to reach out to her again. Her commitment to excellence and her ability to navigate the ever-changing real estate market are truly invaluable. In conclusion, our loan officer was an absolute gem throughout our home buying journey. Her informative guidance, unwavering professionalism, and genuine care for our success made all the difference. Thank you once again for your outstanding service!
Chrissy Cleveland was AMAZING!! She cared about me and my situation. She explained each and every step in detail which eliminated a lot of stress, and was always available to answer my questions. She was exceptionally knowledgeable and professional, but so very supportive and understanding. Chrissy was there from the very beginning right to closing and even after just to see how I was doing. Words cannot begin to express my gratitude and appreciation for the exceptional and caring experience I received from Chrissy!!
Chrissy is the absolute best person I've worked with. Any questions I had she answer promptly, no matter what time is was. She is super easy to talk, very calm and that keeps you calm even though buying a home is super stressful. I feel like I gain a friend through this process. We've moved couple of weeks ago and I still keep in touch is Chrissy.
Últimas noticias del mercado
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
