Kathleen-The Mortgage Lady

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United States
Toms River, NJ
Kathleen-The Mortgage Lady

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Kathleen Erbe Halbing
Branch Manager | Mortgage Loan Officer | PRMG
Proud Military Mom | Passionate About Helping Homebuyers | NJ & FL

With a passion for helping families with the process of buying or refinancing their home, my focus is on walking first-time home buyers through the process, making it as easy and seamless as possible. As a Military mom with over 25 years of experience doing Veteran loans, I am also considered a gov’t loan specialist with expertise in VA, FHA, and USDA loans. I have bank statement qualification, investment property, and construction/renovation loans along with many other programs. I have two dogs: Maddie, my 7-year-old rescue, and Lucy, the newest member of our family who is 1 year old. My hobbies have included racing sprint cars and boats, raising funds for a local school for children with Autism. I spend time in both New Jersey and Florida and have been serving both communities and am also licensed in over 45 states. Let's explore the best options for you and your family together.

10/30/2026

🏡 Your next chapter could start right here in Toms River!

Take a look at this beautiful 3-bedroom, 2-bath home at 224 Roberts Road in Toms River, NJ! With a bright, open floor plan, cozy gas fireplace, and inviting outdoor spaces, this move-in ready home has so much to offer!

👏 Check out this great property listed by Carmela Calantoni with RE/MAX!

💰 Thinking about making a move? Whether you're downsizing, relocating, or simply looking for a change, I can help you explore your mortgage options and find financing that works for you.

🗨️DM me for a link to view the full listing!

📲 Have questions about the home or financing? Reach out! I'd love to help!

10/26/2026

The best memories are always made with the people I love most! ❤️ No matter where life takes us, it’s the people by my side who make it special. 🥰

10/22/2026

You might be closer to buying a home than you think! 🏡💰

Did you know there are programs offering THOUSANDS of dollars to help with down payments and closing costs? We’re talking up to $45,000 in Florida and $15,000 in New Jersey!

With the cost of everything these days, saving for a home isn’t easy. But there may be assistance available that you don’t even know about!

That’s where I come in! 😊 Let’s look at what’s available in your area, see what you qualify for, and figure out how to make homeownership work for YOU!

📲 Don’t leave money on the table! Message me today and let’s find out what homebuyer grants you may qualify for!

Grant availability, amounts, and eligibility vary by program.

10/19/2026

Cooking with Mom! ❤️ A little bit of cooking, a lot of catching up, and of course, Mom still knows best in the kitchen! 😂👩‍🍳

10/16/2026

It’s shaping up to be a pretty good Friday, at least according to Nana! 😂🐾

While I’m busy helping people with their home loans, Nana’s got her own plans for the day. And judging by this picture, she’s off to a great start! ❤️

Happy Friday from Kathleen The Mortgage Lady and Nana! 🏡

SWFLRealEstate

10/11/2026

When was the last time you checked in on your mortgage? 🏡🔑

Your finances, your goals, and the market can all change. That means the mortgage you chose a few years ago may not be the best fit for where you are today.

A quick mortgage check-up can help you see if there’s an opportunity to lower your payment, adjust your loan, access equity, or simply confirm you’re still in a good spot.

📲 Reach out to me and let’s take a look at your mortgage together. No pressure, just real numbers and options based on what makes sense for you.

10/07/2026

Quick post-workout mortgage update! 🏋️‍♀️🏡

There’s a lot happening in the market right now, and today’s economic news is just one piece of a much bigger picture. It may give us some insight into where things are heading, but it doesn’t mean rates are suddenly going to drop.

The bigger point? Don’t base your entire homebuying decision on waiting for the “perfect” rate.

If rates come down, more buyers could enter the market and home prices could move up. That’s why it’s important to look at the full picture and run the numbers for your specific situation.

DM me and let’s figure out what makes sense for you. 💛

10/06/2026

There’s nothing better than hearing that a client felt supported every step of the way! 🏡💙

Thank you, Diane, for trusting me to help guide you through the mortgage process. Making things easier to understand and being there when you need me is what it’s all about.

Thinking about buying or refinancing? Let’s talk and see what makes sense for you! 📲🏠

Address

Toms River, NJ

Telephone

+17324969992

Website

http://www.kathleenthemortgagelady.com/, https://www.prmg.net/loanofficer/kathleen-halbing/

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