Residential Home Mortgage Corporation (RHMC) I-78 Frontage Rd, Hampton

Right from the first conversation with Phil Cresta I knew that I had a Mortgage Company that was working for me. He handled every step professionally and always did what he said he was going to do. I also received excellent service from Nicholas Resig who helped me figure out what I needed to provide to push the process along. The process requires a lot of information be provided and to get together. With Phil Cresta and Nicholas Resig helping me they insured that the mortgage got approved within the time schedule. I want to Thank You both for all of your help and I will recommend your services to others knowing that they will be completely satisfied. Sue Campbell

Wish I could provide a higher rating than 5-Stars. After the nightmare that our builder's in-house lender NVR Mortgage put us through, it was a breath of fresh air to work with RHMC. Smooth, friendly, easy to understand, efficient, and NO HEADACHES! RHMC also was determined to beat every competitor's rates, which it did! RHMC is an absolutely must use.

My experience with Phil and RHMC was flawless. I got the best interest rate: RHMC beat Wells Fargo and Chase by 1/2 point and better fee's. My turn around period began June 9th, initiated by phone with credit card for loan origination fee. My signing was July 16th. All all pay offs were completed July 22nd and my check was in my hand (cash out) July 23rd. Exactly as Phil said it would proceed. Phil instilled confidence through out the process making it easier for me to relinquish delicate information with the least amount of dread. The entire process moved quickly and I furnished the required information very timely,in the same day it was asked for. 38 days from 1st contact by phone to signing...45 days till check in hand for a cash out refinance. You will need computer skills and/or fax skills to expedite the required submitting of information. How long it takes depends greatly on your completing each step, and how quickly you submit it. My credit score was very good and my refinance with cash out was with 36% equity remaining in the property. I will recommend Phil and RHMC to my family and friends. I feel very satisfied with the process from start to finish. There were no surprises, no bait and switch. Please remember even at your local bank branch, they are submitting your scanned documents electronically with home office. There is no getting around the electronic age we live in. I felt reasonably certain that my information was no less secure than with any other banking institution.

Great loan team to work with. They pulled all the strings they possibly could on our behalf to get us a favorable rate and a timely close. Would recommend every day and twice on sunday to anyone looking for a home loan or refi.

Phil Cresta and Michael Ibrahim did an amazing job getting me the financing I needed for my new home. I did not think it was going to be possible after being given the runaround by two local lenders then I found a snippet about RHMC and started reading their reviews. Deciding it couldn't hurt to try, I contacted them. The entire process was done online and over the phone and went very smoothly. Near the end, we ran into a couple of speed bumbs but these guys pushed right through and made it happen. I had a target closing date of March 31 and closed on April 3. I was thoroughly impressed and very happy with the service I received from RHMC and will call on them for future needs as well recommend them to anyone who needs financing!

This is the second time we used RHMC. Both times they were nothing but professional, available and always there for any question or issue we had. We started with Phil Cresta who was our rep for both mortgages and followed by Scott Carr and Zack Micciche and finished with Keira Judd. All helped us through the process. No hidden fees, no surprises and when certain documents were needed, they made it as easy as possible to provide them. The rate quoted and fees quoted were exactly what we paid. Great company and I would not use anyone else!!

Phil and his team at RHMC were helpful, responsive, thorough & ideal to work with throughout the entire refinancing process. Their quick and precise execution is unmatched & I highly recommend Phil & the entire RHMC group.

Phil Cresta stayed on top of the loan through the whole process. He was always available and very helpful. Always updated us with tiny bit of information from RHMC. Highly recommended.

Phil is knowledgeable, thorough, prompt and professional. Refinancing with Residential was a great experience. So glad I found them online!

Phil Cresta is a customer service champion. We did our initial mortgage with him and also refinanced. It felt like he was available 24/7, was able to give us very competitive rates and walk us through each step. Should we need another mortgage definitely will return for a third time.