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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.

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.

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.

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.

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.

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

 

"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

"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

"Phil Cresta recently helped my wife and I get a loan on our first home. He checked in on us weekly throughout the home buying process and was available and responsive anytime we had questions. He was organized, on top of all the paperwork, and extremely knowledgeable about the entire home buying process."
— Dominic · Google · July 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

©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.