Phillip Cresta- Residential Home Mortgage

10/28/2026

Earning recommendations within the same family is the highest compliment I can receive. I focus on providing dependable service that makes passing my name along to family an easy decision.

10/20/2026

A Saturday night well spent in the Lehigh Valley!

Got to spend the evening with my daughter at Sky Zone in Bethlehem 🤸
Nothing beats a night out with her, grateful for fun spots like this around here.

10/05/2026

Clinton has a way of making every season feel special, but there’s something about fall here that really stands out.

Between the historic Main Street, the Red Mill, the river, and the local events that bring everyone together, October is a great time to get out and enjoy everything this community has to offer.

If you’re looking to enjoy a little fall fun in Clinton this month, here are a few things worth checking out:

🎃 Haunted Red Mill
Fridays & Saturdays, October 2 through 24
Red Mill Museum Village

🎨 Mill to Mill: Creating in Community
October 3 through 24 | 11 AM to 4 PM
Hunterdon Art Museum

🏃 Main Street Half Marathon & 4 Miler
October 18 | 8 AM
Starting at the Red Mill

🎃 Pumpkin Fest
October 23 | 6 to 9 PM
Main Street

Whether you’re exploring the local shops, enjoying the fall scenery, or heading out to one of the month’s events, Clinton is the kind of town that makes you want to slow down and enjoy where you live.

What’s your favorite part of fall in Clinton?

09/29/2026

Fixed rate or adjustable rate? Most buyers pick one without ever seeing the comparison.

The biggest difference is simple. A fixed rate mortgage keeps the same interest rate for the life of the loan. An adjustable rate mortgage, or ARM, starts with a fixed period, then the rate can change.

A 5/1 ARM, for example, holds its rate for five years, then adjusts once a year after that.

📈 What I Look At With Every Buyer:
- How long you realistically expect to own the home
- The monthly payment that fits comfortably in your budget
- For an ARM, how often the rate can adjust and what the rate caps are
- What the payment could look like at the maximum rate, not just the starting one
- How each option fits your longer term financial goals

There is no single right answer for everyone. And I never recommend assuming you will sell or refinance before an ARM adjusts, because plans and circumstances can change.

The right choice comes from seeing both options side by side, with your real numbers.

I break all of this down in my latest blog post, including the questions I suggest asking before choosing an ARM.

https://hubs.li/Q04yB7lM0

Link in my bio to read more, or send me a message and we can compare your options together.

Phillip Cresta | NMLS #356108

09/25/2026

Buying a home is a big decision. The lender you choose to guide you through it matters just as much.

Before you apply for a mortgage, there are a few important questions worth asking, and knowing the answers can make the entire process feel less overwhelming.

📈 A Few Worth Asking:
- What loan programs might fit my situation, not just the one with the lowest advertised rate
- How much I actually need for a down payment, since 20 percent is not always required
- The difference between prequalification and preapproval, and what each really means
- What my total closing costs could look like, beyond just the down payment
- How long the process typically takes from application to closing
The right lender should be willing to walk through each of these with you clearly, before you ever make a commitment.

I put together a full breakdown covering these questions and more for buyers in Flemington and across Hunterdon County.

Click the link below to read the whole thing, or send me a message if you would rather talk it through directly.

https://hubs.li/Q04ygySy0

Read more of my blogs at the link on my bio.

Phillip Cresta | NMLS #356108

Buying a home in Flemington, NJ? Learn the key questions to ask a mortgage lender about loan programs, down payments, credit, pre-approval, rates, closing costs, and the mortgage process.

09/24/2026

Getting an Offer Accepted Is Just One Step.

It's easy to think the hardest part is over once a seller accepts your offer. But more purchases are falling apart after the offer is accepted, and financing can be a big part of the problem.

A quick pre approval can give you a starting point, but it doesn't always uncover everything that comes up when the loan goes through full underwriting.

Where Things Can Go Wrong:
• Pre Approval: Issues that weren't caught early can surface later.
• Timing: A financing problem discovered too late can put the entire purchase at risk.
• Seller Confidence: Sellers want to know that the financing behind an offer is solid.
• Loan Structure: Choosing the wrong program or payment structure can create problems later.

That's why I believe it's important to have your financing thoroughly reviewed before you start making offers.

At RHMC, we work to identify potential issues early and build a financing plan around your actual situation.

Getting your offer accepted is exciting. The goal is making sure you have a plan to get all the way to closing.

If you're thinking about buying, let's talk before you make that next offer.
Visit the link in my bio or click below.
https://hubs.li/Q04yc-N90

09/22/2026

Complex loans require persistence and creative problem solving. My team and I remain fully committed through every challenge, working relentlessly to navigate obstacles and ensure your financing reaches the finish line.

09/16/2026

Buying a home or refinancing in Hampton, NJ? There are more mortgage options to consider than you may realize.

I put together this guide to walk through everything from pre approval and first time homebuyer programs to FHA, VA, jumbo, and refinance options, along with what to look for when choosing a lender.

If you're considering making a move in Hampton or the surrounding area, take a look and see what may fit your goals. 👇

https://hubs.li/Q04xG1s50

Buying a home or refinancing a mortgage starts with understanding your options. Whether you're a first-time homebuyer, a veteran, a homeowner looking to access your equity, or you're purchasing a higher-priced home, the right mortgage depends on your goals, finances, and property.I'm Phillip Cresta,...