About us

MEET THE
CRESCENZO TEAM.

Two generations of mortgage expertise. Personal guidance for your next move.

Experience you can count on

Phil Crescenzo Jr.

Senior Mortgage Loan Officer
South Carolina · NMLS #95618

Hello! I’m Phil, your local loan officer. I’m proud to serve our South Carolina communities. Whether you’re buying your first home, making a move, or refinancing, I’m here to guide you through the process with expert advice and a personal touch.

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Guidance for what’s next

PJ Crescenzo III

Senior Mortgage Loan Officer
Atlanta · NMLS #1643723

Hello! I’m PJ Crescenzo, a faith-driven mortgage leader, entrepreneur, and relationship builder. I lead the Crescenzo Team in one of CrossCountry Mortgage’s top-performing divisions, bringing a personal approach to helping clients plan their next move.

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Our story

A legacy built
on relationships.

A mortgage should feel like a partnership.

The Crescenzo Team was built on a simple idea: take the time to understand each client’s goals and craft a lending strategy around them.

Led by Phil Crescenzo Jr. and PJ Crescenzo III, our team brings together decades of combined experience with a fresh, modern approach to lending. That philosophy has been passed down through generations.

From South Carolina’s Lowcountry to the Atlanta suburbs, we help first-time homebuyers, growing families, and seasoned investors understand their options. Whether you’re purchasing, refinancing, or planning your next investment, you can expect clear answers and honest advice.

Not ready to apply? Let’s figure out your next step.

Our values

What drives us.

Every loan we close is guided by the same principles, whether you’re buying your first home or growing a portfolio.

Integrity first

Clear terms, honest guidance, and no surprises at the closing table.

Client-first guidance

Every strategy is built around your goals, your timeline, and your budget.

Local expertise

Deep knowledge of the markets and communities we live in.

Community commitment

Investing our time and resources back into the neighborhoods we serve.

Rooted in our communities

Local knowledge.
Lasting relationships.

We know the neighborhoods, the pace of local real estate, and the opportunities and challenges buyers face here. We measure success in the relationships we build and the families we help put down roots.

Ready for your next move?

Choose Phil or PJ to start your application.

Apply with Phil Apply with PJ

Let’s talk about your next move.

Have a question? Share a few details, and our team can help you explore your options.