Phil Crescenzo Jr.

Originating Branch Manager
NMLS ID 95618

Phil Crescenzo Jr has spent over 20 years closing some of the most complex loans. If you ask his clients, they will concur he is one of the best in the industry. He enjoys a challenge and truly cares about making his clients happy and getting them into their dream home. After many successful years in the Northeast, he moved his family to Coastal SC to build the busy APM Office you know today. Both realtors and builders trust Phil with their clients.

Phil is considered a trusted mortgage resource and advisor for many of the top real estate professionals in the area. Whether it’s a client needing to restructure their debts and expenses, solve a complicated credit issue, or secure a new secondary residence, Phil has coached many families successfully through challenges and regulations that can be difficult for consumers to get through.

Combining this extensive track record with APM’s lending power and technology, a truly different and more inclusive mortgage experience is created.

Phil is very excited to expand the APM brand to all of South Carolina and beyond.

Phil Crescenzo III

Sales Manager
NMLS ID 1643723

Phil Crescenzo III (PJ) is Phil’s right hand at Team Crescenzo. A College of Charleston Commercial Real Estate Finance graduate, PJ is knowledgeable in both residential & commercial financing.

PJ oversees all branch activities behind Phil Jr’s lead & is responsible for branch marketing, operations & production support.

Since forming “Team C” in April of 2020, PJ & Phil have successfully closed 800 + loans together & counting. PJ’s prior experience includes 18 months of commercial property management on a multi-million-dollar development project & several successful sales & marketing roles.

PJ attends Seacoast Church & when he’s not in the office can be found with family, at the golf course, or a local bookstore!

Amber Gross

Senior Processor

Amber is a senior processor and key force for Team Crescenzo. Knowledge on all loan products and government guidelines, there are very few mortgage questions Amber does not have the answer to. Amber’s expertise in dealing with self employed borrowers, solving complex problems, & new construction purchases puts her at the top of the industry.

Heather Parker


Heather Parker is a processor for Team Crescenzo & loved by all her current & past clients for her warming personality. Heather has over half a decade of experience processing a high volume of mortgage loans & does it with a positive attitude & friendly demeanor. Heather’s most recent experience includes 2 + years of processing for a national home builder & is extremely familiar with all types of mortgage loans.

Jill Gonce


Jill Gonce has 20 + years’ experience in the mortgage industry & real estate law. Jill resides in Myrtle Beach, SC with family & is a valuable member for Team Crescenzo. Her exceptional administrative & organization skills help all of her clients get through the mortgage process seamlessly!

Karen Ostrow

Office Admin

Karen is our office manager and handles front end loan related responsibilities. She has an extensive career in office management, human resources, and education. Karen is also bilingual and oversees Latin customer relations.

Tyler Nagorski

VP of Branch Compliance

Tyler is the known as the “MVP” at Team C & is a secret weapon for many phases of the branch. He is responsible for all appraisal orders, disclosures, & credit rescores. Tyler is very hands on for anything the team needs in both sales & operations. Originally from Ohio, Tyler graduated College of Charleston prior to joining Team C as a Loan Assistant.

Theresia Ware

Loan Assistant

Theresia Ware brings 2 years of mortgage experience & 20 + years of experience in hospitality & customer service to the Team C family. Residing in Summerville, she lives in the hot bed of Charleston’s most active real estate pocket & is an invaluable resource for the branch. Customers love her attention to detail & thoroughness which allows them to confidently know all their mortgage needs have been met.

Daniel Graves

Loan Assistant

A licensed loan officer & experienced loan assistant, Daniel leads Team C’s sales support in Myrtle Beach, SC & Team C’s secondary markets. Daniel is a 2019 Coker College graduate & brings 3 years of banking experience to Team C.

Brody McGuire

Loan Assistant

Brody is responsible for all aspects of sales support at the branch.