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500 Campus Drive, Suite 101 Morganville, NJ 07751 Mobile (732) 930-3516 Tel (609) 299-1658 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Cassia Roxas
- Senior Loan Originator
- Morganville, NJ Mortgage Loan Officer
- NMLS #1332777
I’ll be with you every step of the way
Hi, I’m Cassia. I’m an accomplished mortgage professional with 12 years of home financing, real estate, and marketing experience. As part of our Morganville, NJ branch at America’s #1 Retail Mortgage Lender, I’ve helped clients finance primary, vacation, and investment property purchases, along with refinancing to lower their existing payments or pay down debt. Whether you’re a first-time homebuyer or a longtime homeowner, I’m here to help you identify the right product for your goals.
I pride myself on getting to know people on a personal level. That’s how I’ve built lifelong relationships with my clients – and helped others through the non-profit world. I’m a founding member of Toms River LeTip, serving as President of the chapter; The Shore Business Professionals Group, serving as the Chair of the Mortgage and Business Development Committees; and am on the board of directors for Dottie’s House. I’ve also volunteered my time to the FulFill Gala Committee, the APSCA, the Ocean’s Harbor House, Coats for a Cause, and more.
Cassia’s testimonials
Guides and resources
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.