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.

Happy Labor Day! 🇺🇸🏡Today is all about taking a break, enjoying time with family and friends, and appreciating the place...
09/07/2026

Happy Labor Day! 🇺🇸🏡

Today is all about taking a break, enjoying time with family and friends, and appreciating the place you get to call home.

Whether you’re spending the day at the beach, by the pool, at a backyard BBQ, or just relaxing at home, I hope you enjoy every minute of it!

Wishing you a safe and happy Labor Day! ❤️

Not a bad day on the water! 🎣☀️We caught this beauty out by the Sanibel Lighthouse, and I’d say it was definitely worth ...
09/05/2026

Not a bad day on the water! 🎣☀️

We caught this beauty out by the Sanibel Lighthouse, and I’d say it was definitely worth the trip. Nothing beats a little sunshine, saltwater, and a good catch in Southwest Florida!

09/01/2026

5:30 AM wake-up calls are a little easier when this is the view. 🌅🎣

We headed out fishing Saturday morning and caught the sun coming up over the Gulf of America with Sanibel in the background. There’s just something about being out on the water that feels like therapy. A quiet morning, a fishing pole, and a sunrise like this is pretty hard to beat. ❤️

KathleenTheMortgageLady

Your Jersey Shore home starts with more than finding the right house. It starts with finding the right loan. 🏡🌊With over...
08/30/2026

Your Jersey Shore home starts with more than finding the right house. It starts with finding the right loan. 🏡🌊

With over 30 years of mortgage experience, I help New Jersey homebuyers understand their options, from first-time buyer programs and down payment assistance to VA, FHA, conventional loans and more.

Buying a home is a big step, but you don’t have to figure it out alone. I’m here to help you find the financing that fits your life and your goals.

Ready to make homeownership a Shore Thing? Let’s connect! 💙

08/27/2026

Hey NJ first-time homebuyers! 👋🏡 What if I told you there could be up to $22,000 available to help you get into a home AND a lower interest rate?

New Jersey has some great programs designed to help first-time buyers with closing costs, down payments, and even rates that may be lower than the current market.

Before you let today’s rates convince you that homeownership has to wait, let’s see what you may qualify for.

I’m Kathleen, the Mortgage Lady, and helping buyers find programs like these is what I do. Give me a call and let’s see if we can get you home before it’s time to pull out those winter clothes! 🍂🏡

08/25/2026

VA loans have a special place in my heart. 🇺🇸 As a proud Coast Guard mom, helping veterans and military families use the benefits they’ve earned to become homeowners means so much to me.

Thank you, Joseph, for trusting me with your VA loan and for sharing these kind words. I’m so glad I could help make the process smooth and a little less stressful from start to finish.

Congratulations on your new home, and thank you for your service! 🏡💙

Such a fun day at the boardwalk with the grandkids! ☀️🌊 A little sunshine, lots of laughs, and a new furry friend to bri...
08/23/2026

Such a fun day at the boardwalk with the grandkids! ☀️🌊 A little sunshine, lots of laughs, and a new furry friend to bring home. 🐮❤️ These are the summer days I love most.

Always great to see one of my Realtor partners out there making things happen! 🏡👏Shoutout to Thomas Vandaley with The Me...
08/20/2026

Always great to see one of my Realtor partners out there making things happen! 🏡👏

Shoutout to Thomas Vandaley with The Meehan Group at RE/MAX at Barnegat Bay for getting another home on the market! I’m proud to work alongside great Realtors like Thomas who are committed to helping their clients every step of the way.

Thinking about making a move? Thomas can help you find the right home, and I’ll be here to help with the financing! 🏠🔑

08/18/2026

A great mortgage isn’t always about fitting into one specific box. 🏡

From conventional, FHA and VA loans to first-time homebuyer programs, bank statement loans, DSCR, P&L loans and more, there are options for all kinds of buyers, homeowners and investors.

Whether you’re purchasing or refinancing, my job is to help find the solution that makes sense for you.

📲 Have a mortgage question? Give me a call at 732-496-9992. I’m Kathleen the Mortgage Lady, and I’m here with the solutions!

Address

Toms River, NJ

Telephone

+17324969992

Website

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