Informed Mortgage LLC

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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 building 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.

10/14/2026

He’s a retired bus driver. Not a wealthy man. And this summer he’s taking his whole family on a Viking River cruise through Europe. 🚢🇪🇺

Here’s how 👇

🏡 He bought his bayfront home for peanuts years ago. Today it’s worth over $1 million.
💸 He still owed $30,000, costing him about $1,200 a month.
🔑 With a reverse mortgage, Neil paid off that balance AND opened a line of credit for over $500K.

Now he cruises with his kids and grandkids every year, and they’re 100% on board. ❤️

Your home could be doing more for your retirement than you think.

Learn more with Neil J. Robinson here 👉 https://informedmortgage.com/loan-officer/neil-robinson/
📞 609 384 2140

“Mike never fails.” 🏡Thomas came back to Mike and the Informed Mortgage team for his second loan, and this time it was a...
10/12/2026

“Mike never fails.” 🏡

Thomas came back to Mike and the Informed Mortgage team for his second loan, and this time it was a condo in Florida that closed ahead of schedule. Clients who return are the best compliment we can get.

At Informed Mortgage, we believe every borrower deserves clear guidance, steady communication, and a team that shows up from application to closing. Whether you’re buying your first home, your next one, or refinancing, we’re here to help.

Connect with Mike:
📧 [email protected]
📞 (609) 709-3517

Most people assume confidence comes from having the "perfect" finances. 🤔 In our experience, it usually comes from somet...
10/09/2026

Most people assume confidence comes from having the "perfect" finances. 🤔 In our experience, it usually comes from something simpler: knowing your options. 🏡

When you understand the choices in front of you, like which loan types fit your situation and what each one means for your budget, big decisions start to feel a lot less overwhelming. 🍂

That's why we always put education first. No pressure, just clear answers so you can move forward feeling secure.

What's one mortgage option you've heard of but never fully understood? Tell us below 👇 or send us a message anytime.

📞 (609) 597-0007
📧 [email protected]
🌐 informedmortgage.com

10/07/2026

Most people assume buying a home the second time will feel just like the first. For Kerianne A., it was night and day. 🏡🍂

⭐⭐⭐⭐⭐

"Our experience with Informed Mortgage was truly night and day compared to our first home purchase experience. From start to finish, the entire process was incredibly easy, stress-free, and accommodating."

She also shared this about working with Stephen Carpitella, our owner and CEO:

"Stephen, the owner, was exceptional. He took the time to explain everything to me in great detail, answered every question I had (and there were plenty!)" 🙌

Thank you, Kerianne! We're so happy you felt taken care of every step of the way. 💙

Have questions about your next move? Every question deserves an answer, and that's the conversation we're here for. 💬

📞 Stephen Carpitella: 215-802-4471
📧 [email protected]
🌐 informedmortgage.com/scarpitella

Rates this week: up a little ⬆️Mortgage rates touched their highest level since late 2023 midweek, eased on Thursday, th...
10/05/2026

Rates this week: up a little ⬆️

Mortgage rates touched their highest level since late 2023 midweek, eased on Thursday, then drifted back up after Friday's jobs report showed the job market is still solid. For most buyers, a move like this changes monthly payments by only a few dollars, so your budget and pre-approval still matter most.

What's the biggest question on your mind about buying a home right now?

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

NJ agents, the new CE law is about more than extra hours. 👀Most of the talk has been about going from 12 hours to 18. Th...
10/03/2026

NJ agents, the new CE law is about more than extra hours. 👀

Most of the talk has been about going from 12 hours to 18. The bigger change is how you're allowed to earn them.

Here's the quick version:
📅 Your April 30, 2027 renewal stays at 12 hours
📚 License terms starting July 1, 2027 move to 18 hours
🏫 At least 2 of those hours must be in a classroom or a live webinar (and safety hours don't count toward those 2)
✅ Self-paced online courses now need a passing exam score of 75% or better before the credit counts
📝 Brokers have 14 of their 18 hours prescribed, leaving only 2 electives

More hours is the headline. Less flexibility is the real story.

That's why we're building CE both ways: online for the hours you can do on your own time, and live for the ones you can't. 🙌

Want to know when classes open? Send us a message, call (609) 597-0007, or email [email protected].

Save this so it's handy when your renewal comes up, and send it to an agent friend who needs to see it!

10/01/2026

Hello, October! 🍂

A new season is a great time to take stock. Whether you're thinking about buying your first home, refinancing, or just want to understand your options better, the more you know, the stronger your next step becomes. 🏡✨

At Informed Mortgage, we believe in teaching financing, not just selling it. When you understand the process, you make decisions with confidence.

What's one mortgage question you've always wanted answered? Drop it below 👇 or send us a message. We're always happy to talk it through.

📞 (609) 597-0007
📧 [email protected]
🌐 informedmortgage.com

Here's what makes this review stand out. 🏠Phil R. wasn't a first time buyer. He had already been through the mortgage pr...
09/30/2026

Here's what makes this review stand out. 🏠

Phil R. wasn't a first time buyer. He had already been through the mortgage process once. He knew what was coming.

And he still learned something new working with Neil. ⭐

The part he called out was rate lock timing, which is one of the most consequential decisions in the entire process and one of the least explained. Most people make that call without ever understanding what they're weighing. 🔑

Having been through it before doesn't make you an expert on a market that moves every week. Having someone willing to sit down and explain it does. 💡

Thank you, Phil. Great work, Neil. 🙌

Connect with Neil here 👉 https://informedmortgage.com/loan-officer/neil-robinson/

What's the one part of the mortgage process you wish someone had explained to you sooner? Tell us below 👇

Here's a detail almost nobody explains to first time buyers. 🏠The preapproval letter you got at the start of your search...
09/28/2026

Here's a detail almost nobody explains to first time buyers. 🏠

The preapproval letter you got at the start of your search is not the letter you submit with your offer.

Once you're ready to make an offer, your loan officer prepares a new one written for that specific property. It includes the address, the amount of your initial offer, and anything else your agent needs to help you secure the contract.

That's the difference between a letter that says "this buyer can probably afford something" and one that tells the seller exactly what you're bringing to their table.

It takes one phone call. Most buyers just don't know to make it.

We answer this one and a lot more on our FAQ page 👉 https://informedmortgage.com/faq/

Address

799 Route 72 E
Manahawkin, NJ
08050

Telephone

+16095970007

Website

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