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Gina Cangelosi & Samantha Cangelosi Lighty
Gina Cangelosi & Samantha Cangelosi Lighty
Phillips & Associates Realty
San Antonio, TX 78257

210-860-1556 | 210-241-5276 
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Blog: Mortgage Information

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

Items You Need When Applying For a Loan

Have These Items Ready When You Apply For a Loan It used to be that lenders mailed out verifications to employers, banks, mortgage companies, and so on, in order to verify the data supplied by borrowers. Nowadays, the interest is often in speed and getti... Read more

FICO® Scores and Your Mortgage

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship be... Read more

FICO® Score - a Brief Explanation

When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you’ve made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. “What’s a... Read more

Adjustable Rate Mortgages - The Basics

An adjustable rate mortgage (ARM) has an interest rate that fluctuates periodically. This is in contrast to a fixed rate mortgage, which always has the same interest rate. Every ARM has basic components: An index A margin Adjustment Period An inter... Read more

The Cangelosi Team
San Antonio TX
210-860-1556 | 210-860-1556
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Testimonials

Samantha and Gina were with me every step of the way through the sale of my house. They explained everything in a clear and concise manner. Any questions I had were answered promptly. I was terrified and they truly helped me relax and made the process go as smoothly as possible. They went above and beyond researching for a couple of small home improvement projects I needed to complete and even helped me find a temporary apartment for after my move. I highly recommend them to others seeking to sell their home. Jennifer W.
This team does a great job!!!! We are currently working our third Real estate transaction with them. If you want someone who cares about always doing the best for you as a Client and stay in touch with you during your home purchase or sale, this is definitely the team to call! Maria and Elpidio P.
The Cangelosi team was given the task to find my family a little piece of Texas where we could spend our weekends outdoors...and they delivered! They found us the perfect place with all the amenities we asked for, got it below our budget and made the whole experience stress free. This professional team was quick to respond and sought out the information when asked, never letting us to believe we were not a priority. I highly recommend and will definitely call on them again! Ray S.
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