We have exciting updates about the real estate and mortgage market. As of September 2025, mortgage rates have dipped to their lowest levels in nearly a year, currently hovering around 6.50%.

 This drop is largely driven by lower Treasury yields and speculation that the Federal Reserve may soon reduce interest rates.

What does this mean for you? If you've been considering buying a new home, selling your current one, or refinancing, now could be a prime time to explore your options. 

Alongside lower rates, housing inventory has increased by approximately 26% from last year, providing buyers with more choices and potentially increasing their negotiating power.

Additionally, new credit scoring models consider rent and utility payments, helping more people qualify for mortgages by reflecting a broader history of consistent payments.

Don't wait—call me today to schedule your free personalized mortgage review or home-buying consultation. Let's make the most of these favorable conditions together and craft a strategy tailored to your goals.
Warm regards,
Tom Altieri
NJ Mortgage Services

Tom Altieri

Broker / Owner

Always Accessible 732-239-1642

njmortgagemail@gmail.com

Beginning his career in real estate, Tom quickly excelled, earning his Real Estate broker's license. After a decade of high-volume transactions, he transitioned to mortgage lending.

Tom became a top loan originator for the past 31 years and has owned New Jersey Mortgage Services for 21 years, providing tailored mortgage solutions and high-quality service to New Jersey borrowers.

Tom is devoted to providing personalized service to his clients. With his extensive industry knowledge, he has helped thousands of people navigate the complexities of the mortgage process. As the leader of New Jersey Mortgage Services, he has built a reputation as a trusted local expert who can find the best mortgage options to fit various financial needs.

Tom and his New Jersey Mortgage Services team are deeply committed to their client’s success. Whether you are purchasing your first home, upgrading, or refinancing, they work tirelessly to find the best mortgage solution for you. They aim to ensure a smooth and successful transaction tailored to your personal goals and circumstances.

This profile highlights Tom Altieri's extensive experience, leadership, and dedication to client satisfaction, positioning him as a trusted and skilled professional in the mortgage industry.