Kathleen-The Mortgage Lady

Kathleen-The Mortgage Lady 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, in

vestment 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.

🏡 Tired of renting?Homeownership may be more within reach than you think. Building equity, creating stability, and havin...
06/10/2026

🏡 Tired of renting?

Homeownership may be more within reach than you think. Building equity, creating stability, and having a place to truly call your own could be closer than expected.

Let's talk about your options and create a plan to get you from renting to owning. 🔑

Spent Sunday at Asbury Park Pride Fest with Nick and Stephan from Riptide Realty! 🌈It was a great day connecting with th...
06/08/2026

Spent Sunday at Asbury Park Pride Fest with Nick and Stephan from Riptide Realty! 🌈

It was a great day connecting with the community, meeting new faces, and celebrating love, inclusion, and local businesses. Thank you to everyone who stopped by to say hello. Looking forward to next year already!

Happy ! ✨Success starts with inspiring and empowering others. Whether you're working toward a career goal, a new home, ...
06/08/2026

Happy ! ✨

Success starts with inspiring and empowering others. Whether you're working toward a career goal, a new home, or a personal milestone, great things happen when people work together toward a shared vision.

Wishing you a productive and positive week ahead! 🏡

06/06/2026

Credit Tips from Kathleen the Mortgage Lady! 🏡

Did you know that improving your credit score may be easier than you think?

✅ Try to maintain at least 3 active trade lines
✅ Keep credit card balances below 40% of your available limit
✅ Make all payments on time
✅ Review your credit report regularly for errors

📌 Have a collection account?

Before paying it, ask if the creditor or collection agency is willing to provide a "Pay for Delete" agreement. Some creditors may agree to remove the collection from your credit report after payment.

⚠️ Most important: Get everything in writing before you pay!

A few simple credit moves today could mean:
🏠 Qualifying for a home loan sooner
💰 Lower interest rates
📈 Higher credit scores
🔑 More home-buying options

Not sure where you stand? I review credit reports every day and can help you understand what steps may improve your mortgage options.

📞 Call Kathleen "The Mortgage Lady" Halbing
NMLS #219643

Because sometimes the difference between a YES and a NO is simply having the right plan!

It’s the weekend and a great time to get out there and find your dream home. 🏡 While you’re busy checking out open house...
06/05/2026

It’s the weekend and a great time to get out there and find your dream home. 🏡 While you’re busy checking out open houses and exploring neighborhoods, I’ll handle your pre-approval so you can make an offer with confidence. I am available on weekends to answer questions, get you pre-approved, and help you take the next step toward homeownership. Call or message me today to get started.

A home inspection is one of the most important steps in the homebuying process. 🏡🔍While a home may look perfect on the s...
06/03/2026

A home inspection is one of the most important steps in the homebuying process. 🏡🔍

While a home may look perfect on the surface, an inspection can uncover issues that aren't visible during a showing, helping you avoid costly surprises after closing.

An inspection gives you a clearer picture of the home's condition, provides valuable negotiating power, and helps you move forward with confidence.

Have questions about the homebuying process? I'm always here to help guide you every step of the way!

🏡 Buying your first home can feel overwhelming, but having the right team and a solid plan makes all the difference.From...
06/01/2026

🏡 Buying your first home can feel overwhelming, but having the right team and a solid plan makes all the difference.

From getting pre-approved to understanding the true costs of homeownership, a little preparation can help you avoid surprises and move forward with confidence.

If you're thinking about buying your first home, I’d love to help you understand your options and create a game plan that works for your goals.

📞 Ready to take the first step? Let's connect and talk about your path to homeownership!

🏡 One of the most common questions I get is, “How long does it take to close on a house?” The answer can vary depending ...
05/28/2026

🏡 One of the most common questions I get is, “How long does it take to close on a house?” The answer can vary depending on the loan type, inspections, appraisal timing, and how quickly documents are provided, but most closings happen within 30 to 45 days.

The good news? Having the right mortgage team can help keep everything moving smoothly and on schedule. 💛

If you’re thinking about buying this summer, now is a great time to start the conversation and get prepared before you find the perfect home. 📩

Today we remember and honor the brave men and women who made the ultimate sacrifice for our country. Their courage and s...
05/25/2026

Today we remember and honor the brave men and women who made the ultimate sacrifice for our country. Their courage and service will never be forgotten. 🇺🇸

Wishing everyone a meaningful Memorial Day as we spend time with family, reflect with gratitude, and honor those who gave everything for our freedom. ❤️🤍💙

Honoring our heroes this Memorial Day Weekend 🇺🇸💙❤️
05/25/2026

Honoring our heroes this Memorial Day Weekend 🇺🇸💙❤️

Address

Toms River, NJ

Telephone

+17324969992

Website

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