First-Time Buyer Guide
Why own, the 7-step path, the document checklist and the do’s and don’ts — read it here, no download.
Senior Loan Officer · NMLS #1332777
Cassia Roxas
The Singing Mortgage Girl
Where do you want to start?
Pick a path. Cassia takes it from there.
4.96★average rating
21client reviews
3states licensed
Tinton Falls, NJhome office
Loan Programs
Popular loan programs.
Not sure which fits? Ask Cassia — it is free, and there is no obligation.
From 3% down
Conventional Loans
Competitive rates and flexible terms for buyers with solid credit — the classic path to homeownership.
Best for: Credit 620+, 3% or more down, primary homes, second homes and investments.
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3.5% down
FHA Loans
Lower down payments and more forgiving credit requirements — a favorite for first-time buyers.
Best for: First-time buyers, credit from 580, 3.5% down.
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0% down
VA Loans
No down payment and no monthly mortgage insurance for those who served.
Best for: Veterans, active-duty service members and eligible surviving spouses.
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0% down
USDA Loans
100% financing for homes in eligible rural and suburban areas.
Best for: Moderate-income buyers outside major metros.
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Rate & Term Refinance
Swap your current loan for a better rate or a shorter term without taking cash out.
Best for: Homeowners whose rate is above today’s market.
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Cash-Out Refinance
Refinance for more than you owe and take the difference in cash.
Best for: Big projects, tuition, or paying off high-interest debt.
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Renovation Loans
One loan for the home and the improvements — the easiest way to afford the renovation on a home you’re buying.
Best for: Fixer-uppers and homes that need work before move-in.
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62+
Reverse Mortgage
Convert part of your equity into cash while you stay in your home. What it is, and the common misconceptions.
Best for: Homeowners 62+ who want income from their equity.
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About Cassia
Meet Cassia.
With over 15 years of experience in mortgage lending, real estate, and marketing, Cassia Roxas has built her career around one simple philosophy: great business is built on great relationships.
As a Senior Loan Officer with Advisors Mortgage Group, Cassia combines extensive industry knowledge, creative financing solutions, and a personalized approach to helping clients achieve their homeownership and financial goals.
Whether working with first-time homebuyers, seasoned homeowners, or real estate investors, Cassia specializes in financing primary residences, vacation homes, investment properties, and refinancing opportunities. She understands that every client’s financial situation is unique and takes pride in identifying mortgage solutions tailored to their individual needs.
Her approach goes far beyond interest rates and loan programs. Cassia believes in educating her clients, simplifying the mortgage process, and creating an experience built on trust, transparency, and communication. Her greatest professional reward is building lifelong relationships and becoming the trusted mortgage resource her clients confidently recommend to family and friends.
Leadership, Community & Giving Back
Cassia’s passion for connecting people extends well beyond the mortgage industry. Throughout her career, she has held leadership positions in several respected professional and charitable organizations.
She is a founding member and former President of Toms River LeTip, a chapter that earned national recognition as one of the fastest-growing chapters in 2018. She has also served in leadership roles with the Shore Business Professionals Group and as President of the Board of Directors for Dottie’s House.
Supporting veterans holds a particularly special place in Cassia’s heart. A lifetime member of Gulf War Veterans, Cassia is committed to expanding her involvement with organizations dedicated to honoring and assisting those who have served our country.
One of her most meaningful charitable endeavors is the Philip Roxas Fund, established in honor of her father, a proud United States Air Force veteran. Through this heartfelt initiative, Cassia carries forward her father’s legacy of service by providing meaningful assistance to veterans in need. From coordinating transportation and delivering groceries to helping veterans access essential resources and everyday necessities, the fund focuses on making a tangible difference in the lives of those who have sacrificed so much for our freedom.
Her dedication to giving back also includes supporting FulFill, the ASPCA, Ocean’s Harbor House, Coats for a Cause, and organizations devoted to helping animals, families, and women and children facing challenging circumstances.
For Cassia, community involvement is more than volunteering — it’s about honoring those who came before us, lifting others up, and making a difference, one person at a time!
Beyond the Mortgage Desk
When she’s not helping clients achieve their homeownership dreams, you’ll likely find Cassia pursuing another lifelong passion — music!
Affectionately known as “The Singing Mortgage Girl,” Cassia brings the same energy, enthusiasm, and genuine love of people to the stage that she brings to her mortgage career. A passionate vocalist, she has performed with various bands throughout New Jersey and Florida, including Temporary Grace alongside her brother Rob.
Today, Cassia is the lead singer of Frog Jam Band, performing alongside local musicians who once shared the stage with her father before his passing. Continuing that musical connection is especially meaningful to Cassia, allowing her to celebrate her father’s legacy while creating new memories through the music they both loved.
For Cassia, music is more than entertainment — it’s a way to bring people together, celebrate life, and keep cherished memories alive.
Family, Life & Everything in Between
Born in Jersey City and a lifelong resident of Toms River, New Jersey, Cassia also enjoys spending time in Sarasota, Florida.
Above all, she treasures time with her husband, Peter, their four wonderful children — Justin, Kaitlyn, Ryan, and Cameron — and her beloved senior rescue companion, Cammi Stardust.
Whether she’s guiding a family through the purchase of their first home, supporting a veteran in need, spending time with loved ones, or entertaining a crowd, Cassia approaches everything with authenticity, compassion, dedication, and heart.
Her philosophy is simple: Work hard. Give back. Build relationships. Love what you do.
“Whether I’m closing loans or singing songs, my passion has always been connecting with people and helping make dreams come true!”
Licensed in 3 states
FLNJPA
Specialties: First-Time Buyers, Investment Properties, Refinancing
What clients say about Cassia
4.96
21 client reviews
Verified client reviews via Experience.com
From the start, Cassia and Patrick were amazing at response times either through the phone or email. when I had any questions or concerns, those two were prompt with providing me answers.
R
RANDY T
BAYVILLE, NJ
We just closed on our first home, and while the process was a little lengthy at times, Cassia Roxas-Seems was our main point of contact at Advisors Mortgage and made sure we were informed and supported every step of the way. She was incredibly responsive, helpful, and an absolute pleasure to work with. I am very thankful we had the opportunity to work directly with her and would highly recommend Cassia to anyone going through the home-buying process. Cassia is the best!
J
Justin A
Advisors made sure that things were handled in a timely manner. Their attention to detail was impressive and instilled security throughout the entire process.
R
ROBERT M
MANAHAWKIN, NJ
Cassia went out of her way to accommodate us. She worked very hard and was very personable through this really difficult procedure. She kept us calm and helped us deal with our stress. She was very knowledgeable and pleasant to work with.5 stars
C
CARL V
WARETOWN, NJ
Cassia is the best!
R
RONALD H
TOMS RIVER, NJ
Cassia and the team were always available and were extremely responsive. I would recommend them to anyone looking to get a mortgage. Thank you so much for the smooth process!
F
FRANK C
BAYVILLE, NJ
I highly recommend Advisor Mortgage Group. I couldn’t have asked for a better team to guide me through my mortgage process—they were incredibly responsive and helped me get into my new home quickly. Cassia Roxas is exceptional. Not only was she an outstanding loan officer, but she also became a trusted and supportive presence throughout the process. I had heard great things about her beforehand, and I can confidently say she exceeded every expectation. If you’re looking for knowledgeable, reliable, and genuinely caring professionals, I strongly recommend working with Cassia—you won’t regret it.
M
MELISSA C
BAYVILLE, NJ
Cassia was absolutely wonderful to work with throughout our home-buying process. She was knowledgeable, responsive, and always took the time to answer our questions and explain each step along the way. Buying a home can be stressful, but Cassia made the process feel much more manageable with her patience, professionalism, and dedication. She worked hard to help us secure the best possible outcome and was always available when we needed guidance. We truly felt that she had our best interests in mind from start to finish. Thanks to Cassia's expertise and support, we were able to close on our new home with confidence. I highly recommend Cassia to anyone looking for a trustworthy, hardworking, and caring loan officer. Thank you for helping make our dream of homeownership a reality!
J
JESSICA T
BRICK, NJ
Cassia's expertis really made the difference!
R
RONALD S
BEACHWOOD, NJ
Everyone was on top of things They were knowledgable , supportive and helpful
R
ROSEMARY N
TOMS RIVER, NJ
Cassia and her team worked incredibly efficient to make the whole process as easy as possible and close in the shortest time available.
S
STEVEN W
SARASOTA, FL
just okllllll
M
MICHAEL Z
TOMS RIVER, NJ
Cassia and her team made this process quick and easy! I even closed a week earlier! The communication was top tier! I would recommend her and Advisors to anyone!
T
THERESA Y
BRICK, NJ
Cassia Roxas was the loan officer who helped me apply and get approved for a mortgage. This was my first time every doing this and she was really patience and explained everything to me in a way I could understand. I didn't have the most straight foward case but Cassia worked really hard to find a solution for me to get approved and I am very thankful. I would definitely recommend anyone who is buying a house to go to her!
R
RACHEL G
BAYVILLE, NJ
AMAZING - thanks so much for the assistance and the helpful guidance :)
J
JONATHAN B
MANAHAWKIN, NJ
From day one through the process to closing, Cassia and her team were thorough, reassuring, professional and instilled confidence in me that I chose the right people to walk me through the home loan process. I highly recommend their services!
N
NINA P
TOMS RIVER, NJ
Cassia and her entire team were exceptional. We maintained constant communication, and I was consistently informed about the process while ensuring that my best interests were prioritized. The home-buying process was seamless and enjoyable.
A
ADAM H
HAMILTON, NJ
Cassia Roxas and her team were great and made the entire process a pleasant and easy journey
J
JUSTIN B
SEWELL, NJ
It was painless
G
Gary M
As a first time home buyer I don't have anything to compare the process to. But Cassia was many times more responsive than the first broker we attempted to work with and made sure everything worked out for us in the end
D
DARREN H
TOMS RIVER, NJ
Our experience with Advisors and specifically our loan officer Cassia Roxas was amazing. Cassia was always available to walk us through the process, answer any questions or just reasure us during a stressful process. The team overall worked together to ensure our application was streamlined and processed efficiently. We would choose Advisors and Cassia again and highly recommend to anyone purchasing a home.
L
LAUREN C
FREEHOLD, NJ
6 / 21
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Plain-English guides from the Advisors Knowledge Base.
Knowledge Base
What Credit Score Do You Need to Buy a House?
Purchasing a Home and Credit Scores Purchasing a home is one of life’s most significant financial milestones. While factors like income, savings, and …
Read the article
Knowledge Base
How Much Money Can You Borrow With a Home Equity Line of Credit?
A home equity line of credit—better known as a HELOC—can be a smart way to tap into the value of your home. It works like a revolving credit line, sim…
Read the article
Knowledge Base
How to Increase Your Credit Score: 7 Steps to Get Started
Your credit score plays a big role in your financial health—it can impact everything from your ability to get a mortgage to the interest rate you’ll p…
Read the article
Free guides from Cassia
Latest market updates
The latest PCE inflation report came in cooler than expected, giving both stocks and bonds a boost. Headline inflation rose just 0.3% for the month, while the year-over-year rate fell from 3.7% to 3.4%, better than forecasts. Core inflation, which excludes food and energy, increased only 0.2% and declined from 3.3% to 3.0% annually.
The softer inflation data could reduce pressure on the Federal Reserve to raise rates immediately. New York Fed President John Williams indicated there is no urgency to act following September’s rate hike, although he still expects another increase may be needed later this year.
One area of concern is consumer finances. The savings rate dropped from 4.6% to 4.1%, its lowest level in four years, suggesting consumers continue to spend while saving less.
The inflation report was encouraging for financial markets and showed meaningful progress toward lower inflation, which could help ease some of the upward pressure on interest rates if the trend continues.
Source: MBS Highway
The housing market is shifting in buyers’ favor as more homes become available and competition eases. Redfin reported that,“Sellers outnumbered buyers by 58% in August, the biggest gap in Redfin’s records, driven by a surge in listings and stagnant demand”.
This is the widest gap since Redfin began tracking in 2013. Also interesting is that housing supply reached its highest level in more than a decade, giving buyers more choices and negotiating power.
Affordability remains a challenge, with mortgage rates around 7% and the median existing-home price rising 1.6% year over year. Pending sales and mortgage applications have declined, as high costs and economic uncertainty keep some buyers on the sidelines. Many homeowners are also hesitant to trade their existing low mortgage rates for higher ones.
In some markets, homes are taking longer to sell, prompting sellers to adjust prices and increase marketing efforts. Buyers with substantial cash or home equity are especially well positioned, although the overall sales pace through August remained largely unchanged from last year.
For buyers who are financially ready, greater selection and less competition offer an encouraging opportunity to find a home that fits their needs and budget.
The Federal Reserve raised its benchmark interest rate by 0.25 percentage points, bringing the target range to 3.75%–4.00%. The Fed made the move because they feel that inflation remains elevated, while consumer spending, business investment and the labor market continue to show resilience. Higher rates are intended to slow demand and help return inflation to the Fed’s 2% goal.
Although the Fed does not directly set mortgage rates, its decisions influence the bond market and investors’ inflation expectations. When the Fed hikes rates it can be seen as deflationary since it makes borrowing money more expensive and slows down the movement of money. Bond investors’ arch enemy is inflation so a push from the Fed to fight inflation can garner more attention from investors to purchase more bonds which would help mortgage rates decrease. However, the comments following the policy change put pressure on the bond market since Fed Chair Warsh’s comments were seen as “thin” and he also mentioned inflation is still hanging around.
If inflation cools and the Fed wins the trust of the markets by continuing to fight inflation, we could see rates have a chance to improve, but if the opposite occurs rates could continue their trend and increase more. Oil is also a large factor and if we can get it to drop in price it could also assist mortgage rates to improve.
Source : Federal Reserve
Where to find Cassia
Cassia works out of our Tinton Falls, NJ – Murcia office. Branch NMLS #2300185.
227 Newman Springs Road, Tinton Falls, NJ 07724Show map
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