Phillip Cresta

Residential Home Mortgage Corporation is one of the nation’s top customer rated mortgage lenders. We are a direct lender not a broker.

Two things: our rates and our service. As a private, direct lender, we have the flexibility to set our rates below the market and below the competition. Our customer service is also second to none. At Residential Home Mortgage Corporation, each client gets a dedicated team (1 loan officer, 1 operations specialist, 1 underwriter) that works with you from the first call to close. Everything is handled and managed under one roof and you have a direct line of communication throughout the process.

We are currently licensed in New Jersey, New York, Pennsylvania, Connecticut, and Florida. We have loan officers, underwriters, and operations specialists who are highly specialized in each state and specific areas.

We offer just about every mortgage program you can think of. As a direct lender, we have access to programs and products that many other lenders do not have access to. We have standard fixed rate products, adjustable-rate products (5/1 ARM, 7/1 ARM, 10/1 ARM), FHA, FHA 203k, USDA, VA, Jumbo, no closing cost refinancing, cash out refinancing, and more.

Buying a Home

Refinance

Loan Options

We are a very specialized and streamlined company. Because of this we can maintain our position as a low rate industry leader. There are no board members and stockholders like bigger banks, so we pass our savings down to our clients in the form of low rates and fees.

All of our rates are always backed up in writing. We have a 97% customer recommendation rate.

There are no points on any of our loans, and yes – our rates are still much lower than the competition.

At Residential Home Mortgage Corporation, you are not passed along to a million different people across the country and across the world. You are assigned one team (1 loan officer, 1 processor, 1 underwriter) with your loan officer being your main point of contact. You can contact him or her at any time throughout the process during or after business hours. It is this direct line of communication that has allowed us to have a 97% customer recommendation rate.

We have the ability to service and transfer the rights to all loans closed on our name. The decision to service or transfer your loan is made later on in the mortgage process.

We only use appraisers that are local and specialized to your area.

Absolutely. Our specialists can reach out to you at any time that works for you (within reason, of course). Fill this out, and let us know when to get in touch with you. If email works best for you, we can definitely correspond via email to get the process started.

If you would like to set up a face to face meeting, we would be more than happy to do so, but with today’s technology the mortgage application process has been streamlined. All the documentation can be uploaded securely and easily. If you decide to use a title agency/closing agent that is associated with us, the closing can take place in the convenience of your own home or workplace.

Of course! We are rated 4.9 stars out of 5 on LendingTree, 97% customer recommendation rate on LendingTree, have a 5 star rating on Zillow, and a 4.7 out of 5 star rating on Google.

Sure. Here are some reviews of our highest reviewed loan officers:

• Vincent Weiss – Zillow Reviews, LendingTree Reviews – 2011, 2014, 2015, 2015 Five Star Mortgage Professional, Zillow 5 Star Lender Back to Top

• Phil Cresta – LendingTree Reviews, Zillow Reviews – 2015, 2014 Mortgage Young Gun Award, 2016 Mortgage Hot 100 Award

• Marc Duncan – Zillow Reviews, LendingTree Reviews

• Kristi Spangenberg - Zillow Reviews, LendingTree Reviews

• Russell Demko - Zillow Reviews, LendingTree Reviews

• Rich Sywensky - Zillow Reviews, LendingTree Reviews

• Derek Zook - Zillow Reviews, LendingTree Reviews