Philip Lucrezia- Mortgage Loan Originator

Philip Lucrezia- Mortgage Loan Originator Helping homebuyers & property investors achieve their dreams with education so they can build wealth. NMLS ID # 914609
Lucrezia Team | GoRascal Inc.

(NMLS 2072896)

Between your approval and your closing, your credit gets pulled again. Sometimes twice.Things that have actually blown u...
09/23/2026

Between your approval and your closing, your credit gets pulled again. Sometimes twice.

Things that have actually blown up closings I've worked on:

A furniture store card opened for the ten percent off. A new car lease two weeks before closing. Co-signing on a family member's loan. And my favorite, paying off an old collection without telling anyone, which can move a score the wrong way at exactly the wrong moment.

Money movement counts too. If a parent is gifting toward the down payment, or you're shifting savings between accounts, tell your loan officer before you do it. There's a right way to document it and it takes five minutes when we know in advance. It takes two weeks when we find out after.

The rule is simple. From application to keys, you change nothing.

Buy the couch on Saturday. After you close.

09/23/2026

Public service announcement for anyone closing on a house in the next 60 days.

Please do not buy the furniture yet. 😅

I'm serious. Your credit gets re-checked before closing. Every time. A store card opened for a 10% discount, a new car, co-signing for your kid's loan, any of those can change your file enough to delay or derail a closing that was completely fine the day before.

Same goes for money movement. If a parent is gifting toward the down payment, or you're moving savings between accounts, tell your loan officer before you do it. Not after. There's a right way to document it, and it takes five minutes if we know in advance.

From application to keys: change nothing. Then go buy the couch.

Congratulations, Juanita! 🔑Closed in Nanuet.A condo is a big first step for a lot of buyers here, and a smart one. Low m...
09/23/2026

Congratulations, Juanita! 🔑

Closed in Nanuet.

A condo is a big first step for a lot of buyers here, and a smart one. Low maintenance, great location, and room to build equity while life figures out what's next.

Juanita, you did everything right on this file. Enjoy your new home.

A big thank you to Christina Aldorasi for bringing this one together, great working with you, Christina.

Phil Lucrezia · The Lucrezia Team at GoRascal Inc.
NMLS
#914609 · Go Rascal Inc. NMLS #2072896 · Equal Housing Lender

09/22/2026

Realtors, if your buyer suddenly stops responding to the lender, don't assume it's a communication problem.

Most of the time, it's not.
It's usually a document they're uncomfortable sharing. A bank statement. Tax returns. An explanation for a deposit. Something they think is embarrassing, but something we help buyers navigate every single week.
Instead of waiting, call them. Ask one simple question:
"What are you stuck on?"
That conversation can save the transaction long before it becomes a closing delay.
The biggest obstacles aren't always financial. Sometimes they're just conversations waiting to happen.

Congratulations, Matthew! 🔑Closed in New City.Colonial with a front porch, mature trees, quiet cul-de-sac. New City does...
09/22/2026

Congratulations, Matthew! 🔑

Closed in New City.

Colonial with a front porch, mature trees, quiet cul-de-sac. New City doesn't give these up often, and when one comes available it goes fast, Matthew moved when it counted.

Thanks for the trust on this one.

Phil Lucrezia · The Lucrezia Team at GoRascal Inc.
NMLS
#914609 · Go Rascal Inc. NMLS #2072896 · Equal Housing Lender

09/21/2026

The best homebuying conversations usually aren't about the house.

Most people think buying a home starts with finding the perfect property. In reality, it starts with understanding your goals.

Where do you want to be in a few years? What kind of lifestyle are you building? How does homeownership fit into your long-term plans?

A home is more than a transaction. It's a decision about stability, family, and the future you're creating.

The best homebuying decisions begin with the right conversation.

Congratulations, Alex & Claudia! 🔑Closed in Tomkins Cove.That wrap-around porch is the whole thing. Morning coffee, even...
09/21/2026

Congratulations, Alex & Claudia! 🔑

Closed in Tomkins Cove.

That wrap-around porch is the whole thing. Morning coffee, evening conversations, kids on the steps, houses like this were built for a certain kind of living, and it's still there waiting.

Alex and Claudia, thank you for trusting us with this one. Enjoy every bit of it.

Phil Lucrezia · The Lucrezia Team at GoRascal Inc.
NMLS
#914609 · Go Rascal Inc. NMLS #2072896 · Equal Housing Lender

09/18/2026

Before working in mortgages, I worked on real estate transactions.

That experience gave me a different perspective on the homebuying process.

I learned that a successful closing isn’t just about getting approved. It’s about understanding contracts, meeting deadlines, coordinating with the transaction team, and solving problems before they become delays.

Today, I bring that same mindset to every buyer and every transaction. My goal is simple: make the financing process clearer, smoother, and a lot less stressful.

Congratulations, Paul! 🔑Closed in Salt Point.A red house tucked into the trees, a long driveway, and hills behind it. Th...
09/18/2026

Congratulations, Paul! 🔑

Closed in Salt Point.

A red house tucked into the trees, a long driveway, and hills behind it. This is the kind of property people picture when they say they want to get out of the city, except Paul actually did it.

Paul, thanks for the trust on this one. Enjoy the quiet.

Phil Lucrezia · The Lucrezia Team at GoRascal Inc.
NMLS
#914609 · Go Rascal Inc. NMLS #2072896 · Equal Housing Lender

09/18/2026

Your rate never changed. Your payment did.

If you have a fixed rate, the loan portion of your payment cannot move. So when the statement goes up, it is not the mortgage. It is the escrow account underneath it.

Three things drive it. Your town reassessed the property. Your homeowners insurance renewed higher, which happened to almost everybody this year. And if last year's escrow came up short, the servicer is collecting that gap back on top of the new amount.

The part most homeowners miss: two of those three are worth pushing back on, and there is a window to do it.

This week's newsletter breaks down how to actually read the escrow analysis your servicer mailed you, and what to do with each line.

Send me the word NEWSLETTER in a DM and I will send it over.

Address

Brooklyn, NY

Telephone

+18454945848

Website

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