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Phillip Cresta

Cell Phone: 610-487-5285

Email: pcresta@rhmc.com

16 years as a loan officer at Residential Home Mortgage Corporation, and I still treat every closing like it's my first one. On time, no surprises, and a plan that actually fits your finances rather than just the fastest quote I can push through.

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I work primarily with buyers and homeowners across New Jersey and Pennsylvania, and I live right in the community I serve, Greenwich Township, Warren County. I also serve as VP of the Hunterdon County BNI Group, based in Flemington.  I also routinely handle purchase and refinance transactions across New York, Connecticut, and Florida.

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That much experience in this business means I've built a network I actually trust. Realtors, insurance agents, contractors, inspectors, whatever your purchase or refinance turns up along the way I've got someone for you.

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I'm originally from Aston, Pennsylvania, in Delaware County, where I played football, basketball, and baseball in High School. A Muhlenberg College alum, I played football and baseball there too, and that same discipline carries into every file I work on.

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Family comes first outside the office. My wife and I have three kids, two girls, ages 9 and 6, and a son who's 2. I stay involved as a volunteer, and coach on local sports teams. If you've seen me on a sideline before you've seen me at a closing table, that's not a coincidence. I show up the same way for both.

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Ready to talk? Call or text me directly at 610-487-5285. No call centers, no hand-offs.

What clients say

⭐ 4.93 / 5 — 115 reviews on Zillow

 

“I had a great experience with this company and am very grateful for everything they did to get me to the finish line. My loan was not a simple one, and there were definitely some challenges along the way, but the team stayed committed to finding solutions and getting my loan approved. Phil and Keara are honestly superb!”

— Aileen, Port Murray, NJ · Google · Sept 24, 2026

 

"Phil and his team at Residential Home Mortgage Corporation were incredible. This is now the 3rd home I have bought, 1st with Phil and his team at RHMC, but I couldn't recommend them more... He also went out of his way to show up to my closing, which was really nice."
— Bryan, Richboro, PA · Zillow · Aug 24, 2026

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"Phil was extremely helpful and communicative when it was time for us to buy our first home... He checked in on us when things went quiet for a bit. To this day, he continues to answer questions and check in."
— Becca K, Saylorsburg, PA · Zillow · Aug 22, 2026

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Frequently Asked Questions

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I'm ready to purchase

Just ask for Phillip Cresta. I am here to help you get pre-approved or answer any questions you may have about our simple process - Mortgage Smartly™

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Equal Housing Opportunity

Residential Home Mortgage Corporation (RHMC)

NMLS ID # 71932.

Licensed by the CT Dept. of Banking. – DBA: RHMC Financial Corp. Licensed by the Florida Office of Financial Regulations #MLD1584. Licensed by the NJ Dept. of Banking and Insurance. Licensed Mortgage Banker – NYS Dept. of Financial Services. – DBA: RHMC Financial. Licensed by the Pennsylvania Dept. of Banking and Securities. 97% Customer Recommendation Rating Source: LendingTree.com

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©2026 Residential Home Mortgage Corporation. All rights reserved.

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Equal Housing Opportunity. Residential Home Mortgage Corporation (RHMC) | NMLS ID #71932. Licensed by the CT Dept. of Banking – DBA: RHMC Financial Corp. Licensed by the Florida Office of Financial Regulations #MLD1584. Licensed by the NJ Dept. of Banking and Insurance. Licensed Mortgage Banker – NYS Dept. of Financial Services – DBA: RHMC Financial. Licensed by the Pennsylvania Dept. of Banking and Securities. This is not a commitment to lend.