Dottie Shields
VP of Mortgage Lending
My career in the mortgage industry has given me the opportunity to assist thousands of clients who continually come back to me when they make changes in their financial status. I consider my customers as members of my family. It is enjoyable to deal with grown-up children of people I assisted twenty years ago. Over the years I have worked closely with The New Jersey Housing and Mortgage Finance Agency and have helped numerous First Time Homebuyers achieve their dreams of owing a home. My family and I live in the Mount Laurel, NJ area and plan to stay for many years to come.
Helpful tools and resources
The Best Mortgage Experience
First-time homebuyer’s guide
Mortgage calculators
Loan options
See my video
Recent reviews
What people are saying
"I worked closely with Dorttie Shields who was a very big help with every step of the process and very informative if I had any questions regarding anything that was going on. Landon Cohen, and everyone else involved were very thorough with the process and helpful as well. I had a very good team working with me and am very thankful."
Michael D. - Dorothy NJ | Jul 2022
"Dottie my agent and the team were really helpful"
Edgar C. - Fairview NJ | Jul 2022
"Dottie was wonderful! We’re new to the process and she made us feel very comfortable with everything"
Melissa T. - Vineland NJ | Jun 2022
"Dottie is a pleasure to work with and on the ball with every detail."
Gregory Z. - Cinnaminson NJ | Jun 2022
"GR is the best. I worked with Dottie, she is fast and sufficient. I have no issues. She makes my first home buying experience an ease. I never had any problems at all. She knows exactly what she is doing and how to truly take care of customers makes me feel like family."
Nicketa D. - Pennsauken NJ | Apr 2022
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Today's rates
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.