Philip Lucrezia- Mortgage Loan Originator

06/17/2026

For the first time since the Great Recession, incomes are growing faster than home prices.

Wages are projected to grow 3.6–4% this year while home prices are only rising 1–2%.

That gap is the definition of improving affordability.

This isn't a crash. It's not a fire sale. It's something better. It's sustainability.

And every month this holds, more buyers cross the affordability line. People who thought they were permanently priced out are finding out that's no longer the case.

If that sounds like you, the math is shifting in your favor. It's worth a real conversation about what you can actually qualify for today.

DM me or drop a comment and let's figure out what's possible for you. 👇

06/15/2026

64 days. That's how long the average home is sitting on the market right now.

That's the longest stretch in 6 years.

If you're a buyer this is how the home you've been watching will slowly shift into your favor:

📍 30 days on market → sellers start getting nervous
📍 45 days → they're talking price reductions with their agent
📍 64 days → they'll entertain almost anything to close

That's your leverage.

If you want to know how to time this right DM me or drop a comment below and let's talk strategy.

06/11/2026

AI-underwritten HELOCs are funding loans in a week instead of a month.

And now at Go Rascal we offer them.

Most banks take forever to approve a home equity loan or HELOC. We're talking months of paperwork, back-and-forth, and uncertainty.

But with our AI underwriters we can get you approved and closed in as little as 5-7 days.

In fact, I just helped a client in New Jersey close their HELOC in 7 days, on a Saturday, in their own home.

No endless bank visits. No months of waiting. Just fast access to your equity when you need it.

If you've been sitting on home equity but dreading the process, let's chat. DM me and I'll walk you through how this works.

06/10/2026

28% of large homes are owned by empty-nest boomers.

Millennial families raising kids? Just 16%.

But as affordability improves and the lock-in effect loosens its grip, those larger homes are going to hit the market, meaning more of the inventory growing families have been waiting on is on its way.

This isn't a headline yet. But it will be.

If you're a growing family watching the market stay ready. Get pre-approved now so when that perfect house drops, you're not scrambling.

DM me or drop a comment and let's get you set up. 🏡

06/08/2026

The housing market has turned a corner but most people haven't realized it yet.

Zillow's chief economist said it directly:

✅ Affordability improved in 99 of the top 100 U.S. markets year over year
✅ Pending listings up nearly 5%
✅ Home sales up close to 4%

Right now, while most people are still sitting on the sidelines waiting for the "perfect" moment, buyers who make a move are the ones who will look back and say they timed it right.

You don't need the market to be perfect. You just need to know where you stand.

Get pre-approved, know your numbers, and move when YOU'RE ready.

Drop a 💬 below or DM us to get started.

06/05/2026

The spring market is in a holding pattern and here why it's good news for buyers.

A quiet market is a buyer's market in disguise.

When sellers aren't fielding 10 offers at once, they negotiate. Inspection requests get honored, and you actually have time to think before signing on a $500K decision.

The data says the prepared buyer is winning right now.

Drop a comment or send me a DM if you're ready to start your home search and take advantage of this Spring market 👇

05/22/2026

POV: Your wife has been keeping score since Edition 1 😭📖
4th baby, and Steph is NOT letting up 😂 This time she’s exposing the top 3 ways a loan officer ruins his marriage:
🏥 Working from the hospital room
📋 Leaving to pick up documents
⛳ Golf with
And the crazy part? She’s still here 🙏😂 God is good and Steph is patient. Tag a loan officer husband who needs to see this

05/21/2026

05/11/2026

I don't usually share things like this, but this one hits close to home.
My realtor partner and dear friend Melanie Perraglia is organizing a blood drive this Saturday at St. Gregory Barbarigo in Garnerville, and I want to help spread the word.
My brother Angelo battled leukemia and passed away in 2014. Our family knows firsthand what blood donations mean to families in difficult moments.
If you're free Saturday May 16th, 9AM–3PM, please consider going.
1 donation. 3 lives saved. ❤️

05/04/2026

65% of builders are offering buyer incentives just to move inventory.

and 36% have cut prices outright.

I break down what this means and how it could save you $24,000 on a $400,000 loan in this video.

This is the most buyer-friendly new construction market we've seen in years.

Before you write off a new build, ask what's on the table. The worst they say is no.

If you're looking at new construction, let's talk strategy.

DM me "NEW CONSTRUCTION" and I'll walk you through what's available in your market.