Your Local Lending Team

Your Local Lending Team

Your Local Lending Team

We Care,
We Communicate,
We Close!

We Care,
We Communicate,
We Close!

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!

Tera Phillips
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Tera Phillips
January 8, 2025

We are first time home buyers and would recommend Phil and his team at Nation One to anyone considering purchasing a home! Jacob and Mike were amazing! I truly feel like they are good friends and someone I’ve known for years! Jacob went above and beyond to ensure my husband and I were able to purchase the home we’ve always wanted!!! Phil, Jacob and Mike need a raise!!!

Dru Hunter Vives
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Dru Hunter Vives
November 25, 2024

My husband and I had a great experience working with Jacob Poore. He was knowledgeable, professional and very helpful every step of the way. Look forward to doing business with Nation One again and will recommend to family and friends. Thank you to the entire staff who helped also with getting us approved for our newly built home. Jacob your're the best!

Crystal Jenkins
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Crystal Jenkins
November 18, 2024

My agent was Phil & his team did a phenomenal job on closing on my new home for a first time buyer ! Excellent customer service and very knowledgeable & responsive . I will definitely recommend to friends and family also Phil you have gain a loyal customer! It was pleasure working with you and your team you guys Rock 🤘

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!

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
In today's market, real estate scams are becoming increasingly common. What do these scams entail, and how can you spot the warning signs?

Phil Crescenzo, VP of Nation One's Southeast Division, highlights a prevalent scam to @FoxBusiness known as a foreclosure "bailout". This scam often involves a small payout that exploits homeowners in difficult financial situations, siphoning off their equity for profit. 

At Nation One, we prioritize transparency and stay ahead of industry trends to support you throughout your homebuying journey. Visit our website for comprehensive insights into the homebuying process at the link in bio. 

 #realestate #mortgagelender #homeownership #homeowner #mortgages
The homebuying process has seen significant changes. According to @Investopedia, buyer's agents are now required to sign an agreement with their clients before showing properties, and sellers can no longer offer commissions to buyers' agents. 

Phil Crescenzo, VP of Nation One’s Southeast Division, explains that many buyers and sellers are already rethinking compensation, leading to more frequent conversations about fees. Many buyer's agents who typically earned a 3% commission have renegotiated down to 2.5%. 

As this trend evolves, we’ll see its broader impact on the real estate landscape.

Learn more about these changes through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #mortgages #housingmarket
No’s into yes’s - Dreams to Reality - Denials to Approvals - 7 days a week.

If your buyer was told they couldn’t purchase a house, reach out today in order to get ahead of any appointments!

Teamc@nationone.com

Let’s Go - Lets Grow!
The housing market constantly changes, but what does it mean for buyers and sellers? 

@foxbusiness reports the $418 million settlement announced in March by the National Association of Realtors (NAR) introduces even more uncertainty to an already high-pressure industry. As experts in the field, we recommend keeping an open dialogue with your lenders, agents, and firms to stay informed about how these changes might influence your transactions.

Learn more about our team and how we can assist you in achieving your dream of owning your first home through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #housingmarket #realestateagents
7 Days a Week, we are here to help & be a resource.

Reach out now in order to get ahead of any appointments you may have.

Teamc@nationone.com
According to @WSJ, mortgage rates are currently at their lowest in over a year. This presents challenges for homebuyers facing record-high housing prices. 

Phil Crescenzo, VP of Nation One’s Southeast Division, points out that these rates have already been accounted for in the market, suggesting any adjustments moving forward will likely be minimal. 

Explore further insights and learn how this could shape the industry's long-term trajectory at the link in bio. 

#realestate #mortgagelender #homeownership #homeowner #mortgagerates #housingmarket
Did you think we would not be working? This weekend, Mr. Poore is ready to be a service for you and your buyers. 

Reach out now in order to get ahead of any appointments. 

Teamc@nationone.com
The economy is constantly evolving, which in turn affects the real estate market. People often compare the current market to previous years. Despite the fluctuations, Phil Crescenzo, VP of Nation One’s Southeast Division, doesn’t anticipate any slowdown in the near future. 

What are your thoughts on the current trajectory of the housing market? Comment below. 

#realestate #mortgagelender #homeownership #homeowner #mortgages #homebuying
When others can’t or won’t - Reach out today in order to see how the team can help you & your buyers!

Turning no into yes daily!

Teamc@nationone.com
Curious about the loan process at Nation One? Follow these steps below. 

✔️ Find out how much you can borrow 
✔️ Select the right loan program 
✔️ Apply for a loan 
✔️ Begin loan processing 
✔️ Close your loan 

Get in touch with our team today. 

#realestate #mortgagelender #homeownership #homeowner #mortgages #loans
If you find yourself in this situation, remember that you have options. Your heirs will have ample time to decide whether they want to keep or sell the property. 

Phil Crescenzo, VP of Nation One’s Southeast Division, says this decision to take on a second mortgage was a good move. You are tapping into your home equity to increase your cash flow now and allowing a plan for the future that is clearly defined. 

Learn more in @MarketWatch at the link in bio.

#realestate #mortgagelender #homeownership #homeowner #loans
7 days a week. Here to be a resource & on call when you need us most!

Teamc@nationone.com

Let us know of any appointments we can help get ahead of for you & your buyers!
Home loans for those with bad credit are available, and there are several federally backed mortgage options that cater to individuals with lower credit scores. 

If you're looking for options, you may want to consider VA loans or FHA loans. 

Learn more from the Nation One team in Go Banking Rates at the link in bio.

#realestate #mortgagelender #homeownership #homeowner #loans #loanprograms #creditscore #refinance
We love reading reviews like this from our clients. Team Crescenzo is dedicated to supporting you in your home buying or home selling journey. By leading with communication and care, we're committed to crossing the finish line together. 

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

#realestate #mortgagelender #homeownership #homeowner
Mortgage rates can fluctuate between the time you apply for a loan and when you close the deal. If rates rise significantly during this period, it could unexpectedly increase your mortgage payment. To protect against this, lenders may offer the option to “lock in” the interest rate, ensuring it remains the same for a set period, typically 30 to 60 days, sometimes at an additional cost. 

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

#realestate #mortgagelender #homeownership #homeowner #mortgages #interestrate
A 10-year mortgage allows you to borrow funds for purchasing or refinancing a home and requires repayment, including interest, within a decade. 

Fox Money notes that 10-year mortgage rates generally fluctuate alongside other interest rates. However, this specific loan isn’t available through every mortgage lender, so you might need to explore your options. 

Phil Crescenzo, VP of Nation One’s Southeast Division, highlights the advantages of this loan, stating the pros are the reduced interest based on a much shorter pay-off timeline. However, cutting that many years off a traditional mortgage loan can also increase payments significantly. 

Dive into more insights from Phil through the link in bio.

#realestate #mortgagelender #homeownership #homeowner #mortgagerates
Did you think we weren’t going to be working over labor day weekend? We are always happy to provide service 7 days a week around the clock. 

This weekend Mr. Dennis Fields is on call and available for you and your buyers!

Reach out today to get ahead of any appointments!

Teamc@nationone.com

Happy Labor Day Weekend! 🏠 😆
Did you think Team C wasn’t available this weekend? Wrong! We are bringing double trouble this weekend!

Both Jacob & Brody are on call & available this weekend to be a resource!

Teamc@nationone.com

All day, every day - Let’s GO!
It's true that interest rates can fluctuate daily based on market conditions. Your final rate will be determined when you lock in your mortgage rate, typically after your offer on a house is accepted. 

Our mission is to educate you on all aspects of homeownership, ensuring you make the right decisions for yourself and your future. 

Choose Nation One.

#realestate #mortgagelender #homeownership #homeowner #loans #interestrates
We had the pleasure of assisting Darion on his homeownership journey and are thrilled to read more about his experience. 

At Nation One Mortgage, we strive to create a supportive environment where our clients feel valued and empowered. Whether you’re buying, selling, or becoming a property owner, our dedicated team is here to support your success every step of the way. 

#realestate #mortgagelender #homeownership #homeowner #loans
Was your buyer told they were not able to purchase? Or was your buyer told they could only qualify for x?

Here at Nation One, we not only work 7 days a week, we also save deals around the clock! 🕰️ 

Reach out today in order to get ahead of any appointments or to see how our team can be a resource to you!

Teamc@nationone.com

With a simple email or application, we will help your buyer plan & accomplish there home financing goals!

When others can’t or won’t!

Lets GO! 🏡
As a homeowner, facing challenges in affording mortgage payments is not uncommon. There are several strategies to help you keep your home or reduce financial strain, including short refinance. 

While there are benefits to this option, there are also important considerations. Phil Crescenzo, VP of Nation One’s Southeast Division, explains to @yahoofinance that credit score will likely drop because a short refinance will show up on your credit report as a settlement rather than a repayment and because you repaid a debt (your original mortgage) for less than agreed. As a result, it may be difficult to obtain another mortgage for a set period. 

Dive into more insights from Phil at the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #shortrefinancing
With interest rate fluctuations in the housing market, homeowners often need guidance on accessing their home equity. 

A home-equity line of credit (HELOC) offers several benefits. Phil Crescenzo, VP of Nation One’s Southeast Division, explains to @marketwatch that while HELOCs typically have higher interest rates compared to a primary mortgage, they apply to a much smaller balance. This allows homeowners to leverage their equity without impacting their primary loan. 

Learn how we can assist you in achieving your dream of owning your first home through the link in our bio.

#realestate #mortgagelender #homeownership #homeowner #loans #homeequity
Private Mortgage Insurance is something you obtain to protect mortgage lenders against a default on your mortgage. To avoid needing a PMI, it’s wise to either make a 20% down payment or ask about other loan program options. 

Contact us today to learn more.

#realestate #mortgagelender #homeownership #homeowner #loans #PMI #mortgageinsurance
TeamC is on call & available for anything that you need help with (Other than water remediation)! 

Reach out now to teamc@nationone.com in order to get ahead of any appointments!
If you qualify for both a conventional and VA loan, which should you choose? 

Phil Crescenzo, VP of Nation One’s Southeast Division, explains the benefits of a VA mortgage loan are significant in many ways, especially allowing 100-percent financing without PMI, whereas a conventional mortgage would require a 20 percent down payment to eliminate PMI. 

Let Nation One help you choose which loan option is best for you. Learn more about our loan offerings through the link in our bio. 

#realestate #mortgagelender #homeownership #homeowner #VAloan #conventionalloan
7. Days. A. Week. All day - Every Day! TeamC is here to be a resource! 

Reach out to teamc@nationone.com now to get ahead of any appointments & how we can help.

Lets Go! 🏡🎉
Ever heard of an 80-10-10 loan? Here’s how it works: A traditional lender covers 80% with the first mortgage, you secure a 10% second mortgage, and contribute a 10% cash down payment. This approach helps you skip Private Mortgage Insurance (PMI) on your property. 

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

#realestate #mortgagelender #homeownership #homeowner #mortgages #financing
Who works 7 days a week without a single day off? Team C - Of course! 

This week, Mr. Dennis Fields is available & ready to turn homeownership into reality for your buyers!

Reach out to teamc@nationone.com now to see how we can help. We are here 24/7 - & no, we do not have a snooze button. Let’s go! 🏡
Ready to make your dream home a reality? 

Understanding your down payment options is crucial. Seek guidance to explore different variables and make an informed decision. The right information ensures you choose the best path forward in today’s resilient mortgage market. 

Follow us as we share more tips on the home buying process! 

#realestate #mortgagelender #homeownership #homeowner
Your favorites & Mr. Poore are available 7 days this week!

We are always happy to help write deals but not only on the weekdays but also the weekends.

We will never stop working for you or your buyers - Reach out to teamc@nationone.com - now, in order to get ahead of any appointments you have!
It’s simple: we’re here to help you navigate the challenging process of buying or selling your home. Testimonials like this highlight our commitment to delivering exceptional customer support and guidance at every turn. 

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

#realestate #mortgagelender #homeownership #homeowner
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