About Nicholas
With big dreams and even more determination, Advisors Mortgage Group, LLC was founded in October 1999 by a single loan officer in a 400 square foot office in Shrewsbury, New Jersey. In the years since its formation, Advisors has grown to serve not only the greater New Jersey area, but also a vast portion of the United States.
Our immense experience is our greatest asset and is the foundation of the success of the company and every Advisors branch and loan officer.
Licensed in NJ, PA
Free guides from Nicholas
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.
Where to find Nicholas
Nicholas works out of our Ocean, NJ – Rosetti office. Branch NMLS #33041.
What clients say about Nicholas
287 client reviews
Verified client reviews via Experience.com
Great job
Nicholas Rosetti made my experience very well and with such little time, he made everything possible, I'm grateful and happy we got everything accomplish on-time.
it's first time I dont know anything or don't understand but Nick made it smooth I really appreciate you Nick Thank you so much!
Nick was a true professional from start to finish. is stayed in communication througkut throughout the whole process. Would definitely recommend .
very good experience
Nick is absolutely phenomenal. From beginning to end, he is always there for you!
Things went smoothly. Couldn't ask for more than that.
as a first time homebuyer I had NO Idea what I was doing anfd Nick was so patient with me. it made me so much more comfortable with the process
Nicholas Rosetti is an outstanding mortgage broker. He helped me navigate the purchase of my condo with professionalism and clear communication. Even when faced with appraisal delays and complex documentation requirements, Nicholas remained proactive and kept me informed every step of the way. His knowledge of local assistance programs was a huge asset. I’m grateful for his hard work in getting us to the closing table!
Nick, was informative, patient and very professional. If I have to ever do anymore refi's or regular mortgages there is no one else I will call.
Outstanding experience from start to finish. The lender’s expertise and professionalism made a huge difference—everything was handled quickly, smoothly, and without any complications. Their responsiveness and clear communication gave me total confidence throughout the process. I highly recommend them to anyone looking for a fast, efficient, and stress-free loan experience.
I had a great experience throughout the loan process. The lender was knowledgeable, responsive, and very efficient. Communication was clear, and everything moved quickly without any stress. Their expertise helped complete the loan in a short time, and I truly appreciated the professionalism and support. I would definitely recommend working with them.
Always a pleasure to work with Nick and Advisors!
I highly recommend Nick Rosetti to anyone in need of a dedicated and exceptionally skilled mortgage professional. Nick is truly a leader in his field.
Nick was great from start to finish. I appreciated his guidance and timeliness throughout the process.
This is the fourth transaction I have completed with Nick Rosetti and Advisors Mortgage Group. From new home purchases to refinances, Nick is amazing! He is a great communicator, walks me through the process, identifies potential challenges, and solves them before they arise resulting in savings. Lastly, he is very patient with questions and knowledable about the industry. I have and would recommend Nick for all your mortgage needs!
Thank you for making my experience stress free
Thanks NIck for help
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Nick had me close on time. He was really helpful and explained the things that I had questions on.
Nick Rosetti was very professional, highly knowledgable and extremely caring. He always responded promptly and was very caring. Nick was supportive and put my mind at ease during this process. I highly recommend!
Nick explained the process from day one, stood by me and made it happen.
We had great communication with our broker Nick Rosetti.
The best group there is. Always impressed with the professionalism, knowledge and support that is provided by them. I would recommend them to anyone. They are extremely helpful with everything along the process. I can't be more happy with them.
Thank you
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
