H&R Funding, LLC US, Parsippany

Phil is absolutely awesome! He helped us with our mortgage and is so knowledgeable. Very professional and truly knows his stuff. I would email him asking about numbers on houses we were interested and he got back to me super quick. He made this process so smooth. I recommend Phil for any of your mortgage needs!

Phil was extremely helpful with helping my wife and I get a mortgage for our house! We could not take the conventional methods of getting a loan because I am self employed. Phil helped us to get approved for a bank statement loan. There were some hiccups along the way that were in no way Phil’s fault, just your normal things that may come up when buying a home. Phil was able to guide us through each step and made everything very smooth. I highly recommend Phil Russo to anyone looking for a mortgage!

Phil delivers white glove service but treats you like family. This was the first time using him for my own purchase, but through nearly a decade in real estate, he has helped clients of mine purchase their homes with as little stress as possible. He is available, attentive, professional and knowledgeable with an elevated level of care and attention to detail. We had a difficult HOA to deal with and weren’t sure if we could actually close but Phil worked overtime and made it happen. If you are wondering who to trust for your mortgage, no matter how big or small, Phil is simply the best.

We are so lucky a friend recommended Phil to us. From start to finish, Phil was one of the only people we really trusted throughout our first time home buying experience. He was thorough, genuine, and trustworthy the entire time. There were bumps in the road due to matters outside of our hands, and Phil was there to smooth them over with ease. He rapidly responded to emails, calls, and kept open communication with us the entire process. We were lucky to work with him and would use him again without a doubt in the future.

Phil was amazing to work with. As first time home buyers we were totally clueless. Phil took his time to explain the whole process and all of our options. He was always available for us and had a extreme patience when we submitted multiple offers in this crazy market. We finally are moved into our home and couldn’t be more grateful to Phil For helping get us there!

I had the pleasure of working with Phil during one of the most stressful times in our country. Being a first time home owner, Phil guided me through everything I needed to know and was there From start to finish. He doesn’t miss a single beat. He follows up on emails, sent me updates, and was always proactive. Because of Phil, our process was so successful and I would recommend him to anyone. Thank you for everything that you have done and truly being such a wonderful person to work with.

I used to be a loan officer and worked in that capacity for years, so I have a keen eye for the good, the bad, and the ugly in the mortgage industry. Phil Russo is patient, responsive, knowledgeable, efficient, and a true professional. Here is a little background on my specific purchase experience. My wife and I began our purchase process started in March 2021, so like many other areas in NJ, the housing inventory for Summit was tight, homes were coming on the market for mere days before getting scooped up, and the market is/was extremely competitive, with loads of additional buyers coming from Manhattan to join the party. In the end, the offer made on the home that my wife and I successfully purchased created a unique loan scenario that would need to be accommodated in order for us to win a 10+ multi-offer purchase bid with at least 1 maybe 2 offers higher than ours. With this competitive market in mind, I called Phil to see if there was a way to structure my loan in a way to make it more attractive for potential seller’s. We landed on a strategy, the seller’s accepted our offer, and with rates ticking up from all-time lows as we were coming out of attorney review, Phil got us an us an awesome rate in the 2s. Part of our offer was agreeing to the seller’s preference for a 60-day close, but the loan process was smooth and done within a week or two. Being that we had a wait a while for the seller’s to close, mortgage rates started to pull back down from recent highs, but Phil was way ahead of us because the lender chose not only had the best rates for high balance, but they also had favorable terms. Long story short, we ended up with a rate 0.25% lower than where we started, the process was easy, Phil guided my wife and I from start to finish, answered all our questions, made us feel very comfortable and assured simply through his wealth of experience, demeanor, and his ability to eliminate the stress from today’s even more stressful purchase environment. Phil Russo, and his partner Shawn Hickey, are among the most knowledgeable, professional, and genuinely caring people that I have ever met. Do yourself a favor, give Phil and his team at H&R Funding a call, you’ll be glad you did.

Phil is absolutely the best there is! When my fiancé and I started looking for a home, we contacted Phil. From the first conversation, to our closing Phil was by far the easiest to work with in this entire process. I cannot recommend him enough! He is absolutely the best there is, so knowledgeable. I never felt confused or left out of the loop because he is in constant communication and leading you to the next step. He is a must in the home buying process. If I ever sell or refinance - he will be my first call.

Philip was the best! He was always accessible, understanding, extremely knowledgeable and easy to communicate with. He made the home buying process as smooth as possible.

Phil was amazing during the buying process. Knowledgeable and professional. Went above and beyond for us- always answered our calls and questions and got back to us quickly. He got us a low rate and we closed quickly. Would absolutely recommend him. He really knows his stuff and has a wonderful personality which helps out during the stressful times of buying a house!