Headshot of Phil Caggiano

Phil Caggiano

Regional Manager

Middletown, NJ Mortgage Lender

NMLS #1004379

Adress
188 Kings Highway, 2nd Floor 2D
Middletown, NJ 07748
Contact Methods
Email
mobile Mobile
(973) 464-6121
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Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Phil

I’ve been in the mortgage business since 1988. While I’ve spent time training new loan officers, most of my career has been dedicated to helping clients achieve their homeownership goals. Whether you're planning on financing or refinancing your first home, next home, or investment property, I’m here to give you a guiding hand. I’ll provide clear communication that instills confidence you’re making the right choices for your future. I offer a wide range of products, including conventional, jumbo, FHA, and VA. Together, we’ll walk through the steps of your home loan journey.

From pre-approval to closing and beyond, I’ll make sure you know what’s happening with your mortgage and answer your questions along the way. I look forward to giving you an outstanding mortgage experience.

On a personal note, I’m a proud father of three and a very proud grandfather of two girls and a boy.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

  • Published on

    Am I Ready to Buy a House?

    Here are some factors to consider, as well as some resources that can help you make a decision regarding the right time to buy.

  • A family laughing
    Published on

    How to Buy a House With Bad Credit

    Everybody makes mistakes, but a low credit score shouldn’t cost you your dreams of homeownership. Here’s how to buy a house with bad credit, along with some tips to improve your credit score for the future.

  • Published on

    When is the Best Time to Buy a House?

    The housing market is affected by many factors, but did you know that the time of year can influence the final sale price of a home? Here’s how the housing market changes during the course of the year.

  • Published on

    How Long Does it Take to Get a Mortgage Pre-Approval?

    How long does it take to get a mortgage pre-approval? To answer that, you’ll need to learn a bit more about the pre-approval process and what to expect when buying a home.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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