In today’s market, every dollar of income matters. For one South Carolina buyer, the difference between a $210K approval and a $350K pre-approval came down to experience — knowing how to structure income the right way.

When this buyer first came to us, they’d been told their purchasing power was capped at $210,000. But after a full review, Phil Crecenzo Jr. and the LeaderOne Financial team discovered that several valid income sources had been overlooked — including bonuses, shift differentials, and extra shifts.

By properly documenting and crediting all qualifying income, we increased their approved amount by $140,000 — enough to move from “maybe someday” to “offer accepted.”

This success story isn’t about special access or handed-off deals. It’s about fundamentals — understanding guidelines, leveraging experience, and working with a team that knows how to make every buyer’s numbers work.

Whether you’re a real estate partner looking for a reliable lender, or a buyer ready to explore your options, work with South Carolina’s top loan officer.
Partner with Phil Crescenzo Jr. and LeaderOne Financial — where strategy turns potential into approvals.