Informed Mortgage LLC

Informed Mortgage LLC Your partners, educators, and advocates that help lead you toward an informed mortgage decision for financial success! CT Mortgage Lender License -2523172.

Informed Mortgage LLC | NMLS # 2523172 | 799 Route 72 E, Manahawkin, NJ 08050 | (609) 597-0007 | [email protected] | www.nmlsconsumeraccess.org

The mission of Informed Mortgage LLC is to continually improve the lending process, increase efficiency, transparency, and overall financial literacy for our clients. We pride ourselves on excellent custom service, education, communication, and bui

lding long-lasting relationships with our clients. Licensed by the NJ Department of Banking & Insurance. Georgia Residential Mortgage License #2523172. Regulated by the CO Division of Real Estate - AZ Banker License #1048697. Licensed by the Pennsylvania Department of Banking. DE Lender License #04058. FL Mortgage Lender License . IL Residential Mortgage License .6850063. MD Mortgage Lender License #2523172. MA Mortgage Broker License . Residential Mortgage Originator License MN-MO-2523172. NC Mortgage Lender License -222416. NV Mortgage Company License #5847. VA Broker License -7922. Licensed by South Carolina Department of Consumer Affairs. Licensed by Texas Department of Savings & Mortgage Lending. Licensed by the California Department of Financial Protection and Innovation CA Financing Law License -186303.

Heads up to our New Jersey real estate agent friends 🏡: your continuing education requirements officially changed. It wa...
09/02/2026

Heads up to our New Jersey real estate agent friends 🏡: your continuing education requirements officially changed. It was signed into law back in July, and a lot of agents still have not heard.

Two dates tell you everything:

📅 April 30, 2027. Renew as usual. Still 12 hours. Nothing about this cycle changes.
📅 July 1, 2027. The new rules begin. 18 hours, and at least 2 of them have to be live.

That is the whole announcement. Plenty of time to plan. Just do not be surprised. ✅

We will be breaking down what this actually means for your renewal over the next few weeks. 💬 Save this one, or send it to an agent who has not heard yet. 🔖

Had this crossed your radar already? 👇

Summarized from P.L.2026, c.52. Confirm current requirements with the NJ Real Estate Commission.

📊 Rates ticked up this week, and nearly all of it came from one moment: a Friday speech at the Fed's Jackson Hole confer...
08/31/2026

📊 Rates ticked up this week, and nearly all of it came from one moment: a Friday speech at the Fed's Jackson Hole conference.

Here's the part worth understanding. The Fed didn't actually change its rate. It signaled it's in no hurry to lower rates, the bond market repriced what it expects next, and mortgage pricing followed to a three week high. Loud week, but the move itself was modest.

Wondering how that affects your timing? That's the conversation we're here for. 📩

08/28/2026

You probably think you won't qualify. You might be wrong.

Qualifying is simpler than most people assume. You need sufficient income to cover your taxes, insurance, and any homeowners association dues.

Here's the surprising part. Your other debts don't count toward qualification, because there's no required payment as long as you're living in the home.

And if one spouse moves into assisted living or has an extended stay in a rehab facility, no repayment is required as long as the other spouse still lives in the home, regardless of age.

What questions do you have about qualifying? Ask away below. 👇

👤 Connect with Neil J. Robinson: https://informedmortgage.com/loan-officer/neil-robinson/

Thinking about a refinance but worried it'll be a headache?Daniel L. had the opposite experience with Matthew Weber:"Mat...
08/26/2026

Thinking about a refinance but worried it'll be a headache?

Daniel L. had the opposite experience with Matthew Weber:

"Matt was extremely helpful throughout the entire process. He and his team made the process easy and seamless. He was able to save us a lot of money on our refi."

Easy, seamless, and real savings. That's how a refi should feel.

👤 Work with Matthew Weber: https://informedmortgage.com/loan-officer/matthew-weber/

📊 Market Update is here, what moved this week and what it means if you're buying or thinking about a refinance.This week...
08/24/2026

📊 Market Update is here, what moved this week and what it means if you're buying or thinking about a refinance.

This week was a lesson in mountains vs molehills. A big sounding government announcement about a bond buyback program grabbed all the headlines, but its real effect on rates was small. Here's why: a buyback like that mostly makes older, harder to trade bonds easier to buy and sell. It improves how smoothly the market runs. It is not the government stepping in to push rates down.

What actually nudged rates moderately higher was the familiar story lately: oil prices and overseas tensions. When oil and global risk rise, bond yields tend to rise, and mortgage rates usually follow.

The useful habit here is learning to tell a real mover from noise. Before you react to a rate headline, ask: does it change what the Federal Reserve is doing, does it move oil or the broader economy, and does it affect longer term bonds that mortgage rates track? If not, it is probably a molehill.

Read the full update 👉 https://informedmortgage.com/weekly-market-newsletter/

What's a mortgage headline you've seen lately that left you unsure whether it actually mattered?

08/22/2026

Let's kill the biggest reverse mortgage myth right now.

No, the bank does not own your home. No, you are not signing it over to the government.

With a reverse mortgage, you retain ownership. And there's no repayment required to any lender, as long as you're living in the home as your primary residence.

That's the exact part the scary stories always leave out.

Where did you first hear the "the bank takes your home" myth? Share it below. 👇

👤 Connect with Neil J. Robinson: https://informedmortgage.com/loan-officer/neil-robinson/

🗳️ Informed Mortgage is on the ballot for the 2026 Ocean County Community's Choice Awards, and voting is open now.Here i...
08/20/2026

🗳️ Informed Mortgage is on the ballot for the 2026 Ocean County Community's Choice Awards, and voting is open now.

Here is how to vote. It takes about a minute:
1️⃣ Go to https://yourchoiceawards.com/ocean/ and click "Vote Now"
2️⃣ Open the Finance category
3️⃣ Pick Mortgage Lending Company
4️⃣ Scroll past the featured entrants at the top, then vote for Informed Mortgage

Heads up: the ballot is on the Asbury Park Press site. They run the awards, so that is the right place. ✅

You can vote once a day, every day, until August 31. 📅

If we helped you buy or refinance a home, we would be grateful for your vote. 🏠
Who else in Ocean County deserves one this year? Tag them below. 👇

Some deals look like they're going to fall apart. This one didn't.Here's what Matthew C. shared after working with Evan ...
08/19/2026

Some deals look like they're going to fall apart. This one didn't.

Here's what Matthew C. shared after working with Evan Beach:

"I want to thank Evan Beach for helping to navigate a potentially difficult transaction. It's a pleasure to work with a true mortgage professional. I highly recommend Evan and his team at Informed Mortgage."

A tricky transaction handled with calm and expertise. That's the difference a true professional makes.

👤 Work with Evan Beach: https://informedmortgage.com/loan-officer/evan-beach/

Mortgage rates just hit their lowest level in four weeks. 📉This week's inflation data, particularly July's Producer Pric...
08/17/2026

Mortgage rates just hit their lowest level in four weeks. 📉

This week's inflation data, particularly July's Producer Price Index (PPI), helped ease pressure on mortgage rates, creating a welcome opportunity for buyers and homeowners alike.

While markets continue to react to new economic data, one thing remains true: timing matters. If you're thinking about buying a home or refinancing, knowing your numbers before rates change again can help you make confident decisions.

Read this week's Market Update to stay informed:
👉 https://informedmortgage.com/weekly-market-newsletter/

08/14/2026

Everything you heard about reverse mortgages is probably 20 years out of date.

Here's the real history. Reverse mortgages, or HECMs (Home Equity Conversion Mortgages), have been around since 1961, created to help a widow keep her home.

Through the 90s and early 2000s, unregulated hedge funds got involved and took advantage of people. That's where the bad name came from.

After the 2008 crash, HUD stepped in, took over most of the market, and added strong consumer protections so homeowners wouldn't lose their homes to bad actors.

The product today is not the product from the horror stories. What's a "fact" about reverse mortgages you're now second guessing? Tell me below. 👇

👤 Connect with Neil J. Robinson: https://informedmortgage.com/loan-officer/neil-robinson/

Address

799 Route 72 E
Manahawkin, NJ
08050

Telephone

+16095970007

Website

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