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Explore Mortgage Options & Compare Rates, 100% Free!

Get a personalized mortgage rate quote tailored to your unique situation — no cost, no commitment, and it only takes seconds!

Call Us Today at 843-277-0395

Work With A Lender Who Cares

At Nation One, we understand that the mortgage process can be complex and daunting. As a local mortgage lender, we take pride in living by our slogan, “We Care, We Communicate, We Close.”

Our unwavering dedication to you means we continually adapt and evolve in this ever-changing industry. With numerous loan options and countless client situations, we promise to always be learning and exploring innovative approaches to assist you in achieving your homeownership dreams.

Nation One is committed to being the most trusted mortgage lender by simplifying the mortgage process and guiding you every step of the way.

We Bring People Home

With over 20 years of experience working first hand with families and their home financing needs, it is our goal to simplify the process and help make the road to closing as smooth as possible. We strive to provide every client with open communication and complete transparency.

Where most lenders may make a quick decision off the initial application process, we take a different, hands on approach. We work with clients for the long term and help make their goals of owning a home a reality regardless of what that may look like upon the initial call. Whether it’s closing in less than 30 days or coordinating a new construction purchase, we have the knowledge to make it a pleasant and positive experience.

A 5 Star Lending Experience

Check out what some of our customers have to say about their Nation One experience!

Lavonia OROZCO
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Lavonia OROZCO
March 14, 2025

I would like to thank the whole team C at Nation One for an outstanding job of helping me to be a home owner. Phil, james, brian, Amanda you guys rock

Ariel Maxwell
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Ariel Maxwell
March 6, 2025

Nation One went above and beyond helping me and my family get our house!! They are prompt and kept up with the everything. My family and I are grateful and recommend Nation One Mortgage!! Huge shout out to Phil and his team for getting us in out home!

Demann Pewu
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Demann Pewu
February 26, 2025

I recently worked with James and his team and I couldn’t be more impressed with the entire process! From start to finish, the team was incredibly professional, knowledgeable, and attentive to my needs. They took the time to explain each step of the mortgage process, answered all my questions, and provided support every step of the way. I felt confident in their expertise, and they made what could have been a stressful experience so much easier. The team was always prompt, friendly, and transparent, which made me feel secure in my decision. Thanks to Nation One Mortgage, I’m now in my dream home and couldn’t be happier. I highly recommend them to anyone looking for a trustworthy and dedicated mortgage provider!

We Care, We Communicate, We Close.

Ask anyone on our team & they’ll tell you that the difference at Nation One is the 3 C’s.

We Care, We Communicate, We Close.

Ask anyone on our team & they’ll tell you that the difference at Nation One is the 3 C’s.

Media Highlights

Check out Nation One in the News!

Measure By Measure

A NY football fan, Al Pacino acolyte, or sucker for redemption-driven story arcs would recognize the rallying cry of 1999’s Oliver Stone-directed film, “Any Given Sunday.” The crux of a fist-pumping, foot-stomping, helmet-smashing half-time [...]

Follow Us!

Check out our recent posts, and follow Nation One on Instagram!

Want your mortgage application to stand out? 🏠

Our VP, Phil Crescenzo, recommends giving lenders the full picture by including all your assets—secondary jobs, investment accounts, and even those extra savings you might have overlooked. Being transparent can boost your chances of approval and set you up for long-term success.

Have you double-checked your application? Comment below, and a member of our team will reach out!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #nationone #mortgageapplication
Just closed on your home and seeing lower rates? Here’s what to know. ✍️ 

Refinancing immediately is not always simple. Different loan types have specific requirements, including mandatory payment periods, before refinancing is an option.

Curious if you qualify? Visit our website to learn more. 

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #refinancing
At first glance, refinancing while mortgage rates are elevated might seem counterintuitive. But for many, it makes financial sense.

Our VP, Phil Crescenzo, explained to @Investopedia that with home values steadily rising across the U.S., many homeowners are turning to refinance to get value out of their homes. 

Is refinancing is the right move for you? Read the full article to learn more—link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #refinancing
Agents, thinking about offering credit repair advice in a slow market? 🚫

Our VP, Phil Crescenzo, encourages you to educate yourself before giving credit guidance. Avoid common pitfalls like rushing the process or operating outside your area of expertise. When it comes to credit, it’s best to trust the professionals.

Need guidance or reliable resources? We’re here to help. Use the link in our bio to get in touch!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #realestateagents #nationone
Preparing for a mortgage? Don’t overlook your insurance! 📋

Before applying, take a moment to review your insurance policy. Rates can vary significantly between providers, so don’t just default to your current one. Shopping around could save you money.

Even if your escrow covers the payments, comparing annual premiums may uncover potential savings. Start by reviewing your renewal documents and requesting quotes from other carriers.

Want more tips to simplify your home-buying journey? Link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
Finance expert and bestselling author @therealsuzeorman advises caution when considering homeownership this year. While some may agree, waiting isn’t always the best move.

Phil Crescenzo, VP of Nation One’s Southeast Division, shared his perspective with @gobankingrates, explaining that if a rate drop sparks a surge in buyers, home prices could increase by tens of thousands of dollars. Based on real-world scenarios, he sees fewer reasons to wait compared to the past two years.

Read the full article through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #dreamhome
VA buyers — Are you confident you’re all set with zero down payment and covered closing costs? 🤔

Our VP, Phil Crescenzo, says don’t forget to check your account balances! 💰 Make sure you have enough reserves to cover any differences. Building your savings now can help make your transition smoother and strengthen your approval.

Need guidance on financially preparing for homeownership? Contact us today!

#realestate #mortgagelender #homeownership #homeowner #dreamhome #nationone
A home equity sharing agreement is a unique way to access equity in the home without selling and without taking another loan, such as home equity line of credit or fixed home equity loan. While there are pros and cons, knowing your options and talking with a professional is important to understand what you're looking for. 🏠 

Learn more from Team C through the link in our bio. 

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
Are you thinking about buying that $1 million home? 🤩🤑

Phil Crescenzo, VP of Nation One’s Southeast Division, explains the details of a 25% down payment so you can plan accordingly. 

Are you interested in a breakdown for a home you’re considering? Comment below!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
Affording a home in today’s market can feel overwhelming, but there are strategies to make it more manageable.

One key step is reviewing your property tax assessment, especially if home values in your area have recently dropped. Many homeowners don’t realize they can challenge their tax bills. By gathering data on comparable home sales and meeting with your local tax authority, you might be able to lower your annual tax burden.

Visit the Nation One blog for more tips on simplifying the process.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #dreamhome #taxes
Our team makes buying or selling your home simple and stress-free. 👏 

Testimonials like these reflect our dedication to providing outstanding customer support and guidance throughout the process.

Send us a DM if you're ready to get started! 

#realestate #mortgagelender #homeownership #homeowner #dreamhome
Have you ever fallen in love with a home before the inspection? 🏡🤷‍♀️ 

Due diligence is key before you commit! Watch as Phil Crescenzo, VP of Nation One’s Southeast Division, explains how working with the right professionals ensures a smooth home-buying experience so you can be confident in every step.

Stay informed, stay prepared, and make smarter home-buying decisions. Let us be part of your journey! The link is in the bio.

#realestate #mortgagelender #homeownership #homeowner #dreamhome #homeinspection
At Nation One, we put our clients first. Our commitment to the three C’s—Care, Communicate, Close—ensures you get the lowest possible interest rates and closing costs without the hassle. What sets us apart? Speed & efficiency. We guarantee a 10-day close, ensuring every deal reaches the finish line on time. Our tailored loan options are designed to match your unique needs. 🫡

Choose Nation One to be part of your homeownership journey. You can contact us through the link in our bio. 

#realestate #mortgagelender #homeownership #homeowner #dreamhome #TeamC
A dream deal for first-time homebuyers! 🏡✨

Watch our VP, Phil Crescenzo, break down a $400K home purchase with $20K in closing costs the seller would cover. 🤯 

Ready for a seamless journey to homeownership? Nation One is here to guide you every step of the way.

#realestate #mortgagelender #homeownership #homeowner #dreamhome
Which mortgage is right for you? 🏠 

Whether you’re considering a fixed-rate, adjustable ARM, interest-only, or graduated payment mortgage, Nation One offers a range of options tailored to your needs.

Let our experts help you choose the best mortgage for your future. Contact us today and take the next step toward homeownership! Link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages
Are mortgage rates finally coming down? 🏡📉

New data suggests mortgage rates may decline this year, though most forecasts predict only moderate shifts.

Phil Crescenzo, Vice President of Nation One’s Southeast Division, told @BusinessInsider that if you’re considering refinancing, now is a great time to evaluate your options and weigh the pros and cons.

What’s your outlook on the housing market in 2025? Drop your predictions in the comments—we’d love to hear your thoughts! 👇

#realestate #mortgagelender #homeownership #homeowner #mortgagerates
Who should cover closing costs? Let’s break it down! 💰

Closing costs are often negotiable, but it’s not always that simple. Phil Crescenzo, Vice President of Nation One’s Southeast Division, explains that asking the seller to cover these costs can impact their offer—something to consider when negotiating your home purchase.

Understanding these details can make a big difference in your homebuying journey. That’s where Team C comes in! We’re here to guide you every step of the way.

Let’s get started—contact us today!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
Helping Bob achieve homeownership was our pleasure! 🏡

We’re thrilled to hear about Bob’s experience and grateful for the opportunity to be part of his journey.

At Nation One Mortgage, we’re committed to creating a supportive, stress-free experience where our clients feel valued and empowered. Whether you’re buying your first home, selling, or investing in property, our dedicated team is here to guide you every step of the way.

Ready to take the next step? Let’s make your homeownership dreams a reality!
👉 Link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
Thinking About Co-Signing? Here’s What You Need to Know! 🤔

Co-signing a loan can be a big decision—it may help someone qualify for a mortgage, but it also comes with potential risks.

Phil Crescenzo, Vice President of Nation One’s Southeast Division, shares key insights on what happens when you co-sign and the possible setbacks to consider.

Our team at Nation One is here to help you navigate every step of your homebuying journey. Learn more—link in bio!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket  #cosigning
Have you heard about Fannie Mae's Desktop Underwriter 12.0? This update makes it easier for renters to qualify for a mortgage by expanding support for verified rent payments.

Phil Crescenzo, Vice President of Nation One’s Southeast Division, told @Bankrate that since 2021, Fannie Mae has used bank statement data to help borrowers with limited credit history demonstrate their financial reliability. This change has already helped many renters get approved for home loans where they might have previously been denied.

If you’ve been paying rent consistently, you may be closer to homeownership than you think! Learn more through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
Getting ready to apply for a mortgage? Having the right documents in order can make the process smoother and more efficient. Here are the key categories you’ll need to prepare:

✅ Property Information
✅ Income Verification
✅ Source of Funds & Down Payment
✅ Debt & Obligations

At Nation One, we make the loan process simple and transparent. Our team is here to guide you every step of the way, ensuring a stress-free homebuying experience.

Learn more about the required documents by clicking the link in our bio!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
How can you qualify for a VA loan?

At Nation One, we’re honored to support Veterans on their path to homeownership. VA loans are federally guaranteed and require no down payment, making it easier for Veterans and their families to achieve their homeownership dreams.

This program was designed to provide housing and financial support to those who have served our country. Let us help you navigate the process and find the best loan option for you.

Learn more about your options today at the link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #veterans
We’re keeping a close watch on Fed meetings to understand their impact on mortgage rates this year. Uncertainty remains high, and market shifts can happen quickly.

Phil Crescenzo, Vice President of Nation One’s Southeast Division, told @NatMortgageNews that recent Fed comments contradicted earlier predictions of aggressive rate cuts. This unexpected shift put pressure on bonds, leading lenders to adjust pricing multiple times in a single day.

What does this mean for you? Mortgage rates may continue to fluctuate, making it even more important to stay informed.

Read the full article using the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
In a recent @HousingWire feature, Phil Crescenzo shared how credit report costs at Nation One’s Southeast Division have more than doubled over the past two years. With rising credit report fees, Phil breaks down what this means for both borrowers and lenders.

Curious how these changes could affect you? Check out the full article at the link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #creditreports
Your dream home might just be a joint effort! 🔑

As Phil says: “Combined income, joint household—let’s go shopping!” 🏠

Team C is here to make your homeownership journey seamless and exciting. Learn more through the link in our bio!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #jointincome
We’re inspired by stories like this from our clients! At Team Crescenzo, we pride ourselves on supporting you every step of the way—whether you’re buying or selling a home. With a focus on clear communication and genuine care, we’re dedicated to helping you navigate the journey with confidence and ease.

Have you worked with us before? We’d love to hear about your experience in the comments! 👇

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
In a volatile homebuilding market, are new homes a better long-term investment?

Phil Crescenzo, VP of Nation One's Southeast Division, explains to @nmpmag the benefits of purchasing newly constructed homes, highlighting how some factors of a new build can lead to more affordable homeowner's insurance options for buyers. 

Contact our team today through the link in our bio to learn more insights about the housing market.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #homebuilding
What’s one mistake many homebuyers make that could cost them their dream home? 🏡

Phil Crescenzo, VP of Nation One’s Southeast Division, shares a real-life story and some practical advice to help you avoid this pitfall.

Ready to make your home-buying journey smoother? Let Nation One guide you every step of the way. Link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
Approval guidelines can differ depending on the loan terms, but they usually focus on two key factors: your ability to repay and the property’s value. Once we get your loan application, we’ll kick off the approval process right away.

Your loan processor will double-check all the details, and if anything needs clarification, they’ll work with you and your loan officer to sort it out quickly.

Have questions? Drop them in the comments below! 👇

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #loans
Are you a business owner thinking about making an offer on a house? Here’s how that could affect your approval process.

Phil Crescenzo, VP of Nation One’s Southeast Division, explains that being self-employed often means lenders will need about two years of financial history to determine your approval amount. They’ll review documents like tax returns and other financial details, so clear communication with your lender is key before making any big moves.

Ready to take the next step? Learn how we can help you own your first home through the link in our bio!

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #closing #businessowner
The Fed’s decisions have a big impact on the housing market, and its recent rate cuts have left many wondering what 2025 will look like for new homebuyers.

Phil Crescenzo, VP of Nation One's Southeast Division, shared his insights with @HousingWire. He breaks down the market’s unpredictability and encourages prospective buyers who are ready to take the next step to move forward with confidence.

At Nation One, we’re here to guide homebuyers through today’s shifting landscape, navigating economic factors and Fed decisions to help make your dream home a reality. Read the full article using the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #Fed
Is 2025 the year you buy your first home, or are you thinking about refinancing your current one? 🏠✨

Team C is here to guide you every step of the way! With a commitment to your needs and a range of loan and refinancing options, we’ll make sure your homeownership journey is seamless and stress-free.

Ready to get started? Contact us through the link in our bio today! 🔗

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
We’re here to make buying or selling your home as smooth as possible. Testimonials like this showcase our dedication to providing outstanding support and guidance every step of the way.

Have you partnered with us before? Share your experience in the comments below! 👇

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
Hear Phil Crescenzo, VP of Nation One’s Southeast Division, break down the relationship between income and purchasing power, offering a real-world scenario to illustrate how this applies to your home-buying journey.

Let us help create your ideal homeownership experience! Link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
According to @BusinessInsider, the real estate market has shown some positive signs, raising the question of whether rates will drop further this year.

Regarding refinancing, Phil Crescenzo, Vice President of Nation One’s Southeast Division, says it may be worth waiting to see how things unfold in 2025. 

What are your market rate predictions for the new year?

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
Phil Crescenzo, VP of Nation One’s Southeast Division, reminds us of the importance of talking to your lender first! 💬🏡

This step helps you tackle any potential challenges early on, so you can avoid surprises and focus on finding your dream home with confidence.

Ready to start your homeownership journey? Team C is here to help—visit the link in our bio! 🔗 

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #mortgagelender
APR (Annual Percentage Rate) is the true cost of your mortgage over a year, including interest and fees. It’s higher than the basic rate you see advertised because it factors in points and other credit costs. Knowing the APR helps you compare loans so you can find the best fit for your budget. 🏡💡

Ready to learn more about APR and our mortgage options? Visit our website for more insights into the homebuying process.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #APR
How much debt is too much? 🤔

Phil Crescenzo, VP of Nation One’s Southeast Division, breaks it down: it comes down to your monthly payments and payment history. If your income can support it, there’s no such thing as too much debt. But if it’s affecting your loan approval, we’ll help you assess and restructure it to make things more manageable.

Have questions for our team? Drop them in the comments below 👇

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket #debt #homebuyingtips
A key difference between today’s real estate market and 2008 is the introduction of regulations that address the vulnerabilities and questionable practices that led to the 2008 collapse.

Phil Crescenzo, VP of Nation One's Southeast Division, shared with @ScotsmanGuide some important insights for consumers navigating the current market. For first-time buyers or those looking to move, waiting for a significant drop in interest rates or home prices may not be the best strategy. While rates could decline in the future, dramatic changes in rates or prices are unlikely in the near term.

Thanks to these regulations, today’s market is more stable and secure than it was in 2008. Learn more from Phil through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgagerates #housingmarket
Wondering when to refinance? Here’s what to consider:

Refinancing may be a smart move if current mortgage rates are 1-2% lower than your existing rate. Even a slight decrease in interest can significantly reduce your monthly payments, saving you money over time. Your lender can help you explore your options and see what works best for your situation.

Explore the benefits of a refinance on our FAQ page.

#realestate #mortgagelender #homeownership #homeowner #mortgagerates #refinance
We’re thrilled to have helped Jessie achieve his homeownership dream, guiding him every step of the way through the VA home loan process. His trust in us speaks to our dedication to making home buying smooth and rewarding.

At Nation One, we’re committed to building a supportive, empowering experience for every client. Whether you're buying, selling, or purchasing your first home, our team is here to provide expert guidance from start to finish.

Ready to start your own journey? Contact us today!

#realestate #mortgagelender #homeownership #homeowner #mortgagerates #veteran
There’s talk about a possible decrease in mortgage rates next year, and we’re optimistic about what 2025 holds for the housing market.

Phil Crescenzo, VP of Nation One’s Southeast Division, highlights that even a small rate reduction could boost momentum and make homeownership more accessible for more buyers.

What are your thoughts on the housing market in 2025? We’d love to hear your predictions!

#realestate #mortgagelender #homeownership #homeowner #mortgagerates
Phil Crescenzo, VP of Nation One’s Southeast Division, puts it simply: cash is NOT king!

What truly matters is proper documentation. 📄 Ensuring all your records are in order allows mortgage lenders to easily track the source of funds and other key details, making the process smoother and more efficient.

#realestate #mortgagelender #homeownership #homeowner #mortgagerates
As a local mortgage lender, we are committed to Care, Communicate, and Close. 

Our dedication to you drives us to stay adaptable in this ever-evolving industry. With many loan options and diverse client needs, we are here to help you achieve your homeownership goals. 

At Nation One, we strive to be the most trusted mortgage lender by simplifying the process and guiding you through every step of the journey. 

#realestate #mortgagelender #homeownership #homeowner #mortgagerates
We proudly honor Veterans daily by offering specialized loan options to support them on their homebuying journey. 

The VA Loan at Nation One provides Veterans with a federally guaranteed home loan that requires no down payment. This program was designed to provide housing and assistance for veterans and their families. 

Learn more about our VA loans through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgagerates #veterans #veteransday
7 days a week - we work when you work!

Reach out to the below email address for any second looks/opinions that may be needed.

Here to be a resource

Teamc@nationone.com
Why choose Team Crescenzo?

At Team C, we specialize in crafting personalized home loan solutions, using traditional and nontraditional loan products to offer the best options for homeownership. Our clients are our priority, and we strive to make the process as smooth and stress-free as possible. Through clear and proactive communication at every step, we ensure we close on time so you can move into your new home as soon as possible.

Curious to learn more about why Team Crescenzo is the right fit for you? Let us help create your ideal homeownership experience at the link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgagerates
In September, the Fed lowered interest rates for the first time, which could still influence mortgage rates, though the extent remains uncertain. Factors like unemployment and inflation will play a key role in what happens next. Our team is monitoring these changes closely to ensure you have the most up-to-date guidance. 

At Nation One Mortgages, we’re committed to staying ahead of market trends and providing you with expert advice every step of the way.

Have questions about your mortgage or the market? Let us know in the comments below 👇 

#realestate #mortgagelender #homeownership #homeowner #mortgagerates #economy #housingmarket
Trust Nation One to guide you through your home buying or selling journey. Our commitment to you drives us to adapt and evolve continuously in this ever-changing industry. We promise to always be learning and finding innovative ways to help you achieve your homeownership dreams. 

Tell us about your experience working with Team C! 👇 

 #realestate #mortgagelender #homeownership #homeowner
Our loan process is simple. 

With over 20 years of experience working firsthand with families and their home financing needs, we aim to simplify the process and help make the road to closing as smooth as possible. We’re here to guide you to a successful close and a new home! 

Get in touch with our team today.

#realestate #mortgagelender #homeownership #homeowner #mortgages #loans
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