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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

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

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

Gina & Samantha are truly a full service real estate team! We live in South Florida and I was able to list, improve, and sell my property without leaving the state where I
reside. The amount of communication and professionalism during the process was
second to none!!
 
Marc & Jove Scott
I couldn’t have been happier with my experience selling my home with The
Cangelosi Team. This was my first time selling a home, and I found the process
daunting. Gina laid out every step for me in advance including her pricing strategy,
how she would market/show, and what her expectation was for selling my
house. Her predictions were accurate and honest - from listing to closing in
approximately 30 days! I couldn’t recommend the Gina and The Cangelosi Team
more strongly.
 
John Schwake
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.
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