About

Why choose us

About Impact Lending Team

At Impact Lending Team powered NFM Lending, we believe that securing a mortgage should be a smooth, transparent, and empowering experience. Whether you’re purchasing your first home, refinancing, or investing in property, our mission is to guide you every step of the way with expertise, care, and clarity.

With years of industry experience, our team is dedicated to providing tailored mortgage solutions that fit your unique goals. We take the time to understand your needs, explain your options in plain language, and help you make confident financial decisions.

How

At Impact Lending Team powered NFM Lending – Southeast Division, we have always lived by We Care, We Communicate, and We Close. We care about clients and do our best to make this process as carefree as possible. We communicate and overcommunicate each step of the way so no one is in the dark. And, of course, we close (on time) so you can start to get into your new home. This is our way to make sure that we can never say no and get to the finish line each and every time for our clients.

Who

Impact Lending Team powered NFM Lending is an independent mortgage bank with HQs in New Jersey & South Carolina. The South Carolina leadership team, Team Crescenzo, is expanding the growth of Impact Lending Team throughout the Southeast United States, lending in SC, NC, NJ, PA, TN, GA, FL, & Coming Soon to MD, VA, & MN.

What

Team Crescenzo is in the problem-solving business for our clients. We look at creative ways to put together hand-crafted home loans. This is done through traditional and nontraditional loan products that offer the best available solutions for homeownership.

Why

Changing lives when others can’t or won’t is our mission, and we want to be the lending team that never says no.

Leadership

Phil Crescenzo Jr.

Division President, NMLS ID: 95618

Email: pcrescenzo@nfmlending.com

O: 843-277-0395

Time In Business: 24 Years

Phil has been responsible for problem-solving & structuring some of the most complex loans in the mortgage industry since 2000. Trusted by national home builders & top producing real estate agents, Phil runs the division with a high level of commitment & dedication to excellence while maintaining industry leading results year after year. Phil has been featured in Scotsman Guide, Charleston Real Producers, MoneyWatch, MarketWatch, HousingWire, CNN, National Mortgage News, & is on the Forbes Mortgage Advisory Panel.

Fun Facts: Philadelphia Eagles Super Fan, Above Average Golfer, Green Egg Expert, Handyman, Father of 4, Believer

James Essen.

James Essen – (VP of Business Development)

Email: james@nfmlending.com

O: 843-954-0452

As Vice President of Market Growth, James Essen is focused on leading, coaching and recruiting. Over his nearly 20-year career, James has held senior leadership roles in the broker, non-bank/correspondent, and bank distributed retail spaces.

James’ industry experience has shown him that homeownership creates generational wealth in America – something he is very passionate about. James supports this goal by bringing on the top loan advisors and building the best branches possible. James’ leadership skills have also allowed him to become a certified John C. Maxwell coach, trainer, and speaker.

As a Mount Pleasant native, I am passionate about helping buyers achieve their ownership goals in the Charleston area real estate market. I use a meticulous, creative and logical approach to guide borrowers through the loan process as smoothly as possible. Understanding each borrower’s unique situation through an open lending approach allows me to provide a consistent, predictable high level of service.

Fun Facts: Avid Golfer, Husband, Father of 5, Loves to Travel & Volunteer, World’s greatest tetherball player

Amanda Baker

Region Operations Manager

Email: abaker@nfmlending.com

O: 843-277-0395

Growing up I wanted to be a lawyer. Six months after becoming a “real lawyer” I started a career in mortgages. Over a decade later and I haven’t looked back.Outside of work I enjoy spending time with my family, puzzling, gardening and watchin the Gamecocks, Denver Broncos, and the Atlanta Braves.

Fun Facts: Grew up wanting to be a lawyer, loves puzzling, gardening, step aerobics, & reading

Michelle Farmer

Sales Manager

Email: mfarmer@nfmlending.com

O: 843-277-0395

It’s About Trust

“We want to set the client up for success. Whether that’s guiding them to the closing table in under 30 days or giving them a plan to close in six months, we are here to be their coach and help them cross the finish line. Just as Dad & I work together day in & day out as a team, we want to have that same teamwork established with every client”