Philip Lucrezia- Mortgage Loan Originator

06/10/2026

28% of large homes are owned by empty-nest boomers.

Millennial families raising kids? Just 16%.

But as affordability improves and the lock-in effect loosens its grip, those larger homes are going to hit the market, meaning more of the inventory growing families have been waiting on is on its way.

This isn't a headline yet. But it will be.

If you're a growing family watching the market stay ready. Get pre-approved now so when that perfect house drops, you're not scrambling.

DM me or drop a comment and let's get you set up. 🏡

06/08/2026

The housing market has turned a corner but most people haven't realized it yet.

Zillow's chief economist said it directly:

✅ Affordability improved in 99 of the top 100 U.S. markets year over year
✅ Pending listings up nearly 5%
✅ Home sales up close to 4%

Right now, while most people are still sitting on the sidelines waiting for the "perfect" moment, buyers who make a move are the ones who will look back and say they timed it right.

You don't need the market to be perfect. You just need to know where you stand.

Get pre-approved, know your numbers, and move when YOU'RE ready.

Drop a 💬 below or DM us to get started.

06/05/2026

The spring market is in a holding pattern and here why it's good news for buyers.

A quiet market is a buyer's market in disguise.

When sellers aren't fielding 10 offers at once, they negotiate. Inspection requests get honored, and you actually have time to think before signing on a $500K decision.

The data says the prepared buyer is winning right now.

Drop a comment or send me a DM if you're ready to start your home search and take advantage of this Spring market 👇

05/22/2026

POV: Your wife has been keeping score since Edition 1 😭📖
4th baby, and Steph is NOT letting up 😂 This time she’s exposing the top 3 ways a loan officer ruins his marriage:
🏥 Working from the hospital room
📋 Leaving to pick up documents
⛳ Golf with
And the crazy part? She’s still here 🙏😂 God is good and Steph is patient. Tag a loan officer husband who needs to see this

05/21/2026

05/11/2026

I don't usually share things like this, but this one hits close to home.
My realtor partner and dear friend Melanie Perraglia is organizing a blood drive this Saturday at St. Gregory Barbarigo in Garnerville, and I want to help spread the word.
My brother Angelo battled leukemia and passed away in 2014. Our family knows firsthand what blood donations mean to families in difficult moments.
If you're free Saturday May 16th, 9AM–3PM, please consider going.
1 donation. 3 lives saved. ❤️

05/04/2026

65% of builders are offering buyer incentives just to move inventory.

and 36% have cut prices outright.

I break down what this means and how it could save you $24,000 on a $400,000 loan in this video.

This is the most buyer-friendly new construction market we've seen in years.

Before you write off a new build, ask what's on the table. The worst they say is no.

If you're looking at new construction, let's talk strategy.

DM me "NEW CONSTRUCTION" and I'll walk you through what's available in your market.

05/01/2026

"The market turned a corner" doesn't mean what you think it does.

It's not a crash. Rates didn't suddenly drop. And no, the bidding war chaos isn't coming back.

What actually happening in the real estate market? Stability.

That means...

🏡 Fewer bidding wars
⏱️ More time to make smart decisions
💬 Real negotiations (not just "highest and best by 5pm")
💰 Pricing that makes sense again

In a stabilizing market, the prepared buyer wins, not just the fastest one.

That's where we come in. If you're trying to figure out what this shift means for your timeline, your budget, or your market, let's talk strategy.

📩 DM me or drop a comment below. I'm licensed in 49 states and here to help you move with confidence, not confusion.

04/30/2026

22% of listings have dropped their price, but it doesn't mean what you think it does.

Most buyers see a price reduction and assume something's wrong with the house.

Most of the time? It just means the seller overshot where the market actually is.

If you see a home with a price reduction it can mean you likely have more negotiating power than you realize.

This is exactly where strategy matters. Knowing where the leverage is, how to structure a smart offer, and showing up with an underwriting-reviewed pre-approval that actually holds weight.

If you're thinking about buying or just want to understand your options, send me a DM. Let's talk strategy, not stress.

04/29/2026

The 3 things that can tank your FHA appraisal (and delay your closing):

🏠 Peeling paint
🔌 Missing outlet covers
🚶 Missing handrails

FHA appraisers aren't just checking value, they're checking safety and health standards, and even minor issues can hold up your loan until they're fixed.

The good news? These are usually quick, inexpensive repairs. But if you're the buyer, you need to know what you're walking into BEFORE you're under contract.

Getting pre-approved is step one. Understanding what the appraisal will actually flag? That's how you avoid surprises at closing.

Questions about FHA loans or what to watch for in your market? Drop a comment or DM me to get started on your home buying journey.