PBM MORTGAGE INSIGHTS

With February's talk about Valentine's Day, you may be wondering what there is to love when it comes to buying, selling, or financing a home. We found plenty! Take a few seconds to enjoy some good news today: Mortgage rates have come down from last year's highs.¹ The Federal Reserve Board has projected more cuts to come this year.² Even though Fed actions don't directly control mortgage rates, the expectation alone can have a beneficial effect. Home values continue to grow, w

February is all about what we care about most — comfort, stability, and planning for the future. When it comes to homeownership, one thing that deserves a little extra love this month is how efficiently your home works for you.   A more energy-efficient home isn’t just about being environmentally friendly. It can lower monthly expenses, improve everyday comfort, and even support your long-term home value — all things that matter whether you’re buying, selling, or refinancing.

Thinking about buying, selling, or refinancing in 2026? Understanding the state of the housing market is a good place to start. Fortunately, 2026 is shaping up to be full of opportunity. Mortgage rates are expected to ease, inventory is rising, and the market is gaining momentum. Here’s what experts predict* — and how to turn those trends into your advantage. Falling Mortgage Rates After a year of relatively high rates, relief is on the horizon. Fannie Mae predicts mortgage r

As 2026 approaches, it’s the perfect time to assess your financial health and set the stage for success in the new year. Whether you’re a current homeowner or planning to buy your first home, a year-end financial checkup can help you make informed decisions and align your goals. At Presidential Bank Mortgage, we’ve created a handy checklist to guide you through this process. For Homeowners: Take Control of Your Investment 1. Review Your Mortgage Check your current mortgage ba

Black Friday is known for doorbusters, deep discounts, and deals that are hard to ignore. But if you’re planning to buy a home in the near future, there’s another kind of “shopping” that matters even more this season: shopping for the right mortgage. While everyone else is lining up for the latest gadgets or upgrading appliances, smart future homeowners are focusing on their financial picture—and sometimes skipping Black Friday may actually get you into a home faster. Here’s

Navigating the world of mortgages can be overwhelming, especially with all the jargon involved. At Presidential Bank Mortgage, we believe...

Fall is here, which means cooler air, colorful leaves, and the start of seasonal home maintenance. It’s the perfect time to check off...

Life happens. A solid financial safety net turns surprise bills into manageable moments—not crises. Whether you’re building from scratch...

When you're ready to buy a home, especially as a first-time homebuyer, it's important to understand the difference between mortgage...

As summer draws to a close and the school year approaches, many families reevaluate their financial priorities. The back-to-school season is a great time to think about your children's educational needs and review and optimize your financial strategies. One often overlooked but highly effective way to enhance your financial planning is through strategic mortgage planning. At Presidential Bank Mortgage, we believe that with the right approach, your mortgage can be a powerful t

For many parents, helping their children buy their first home is one of the most rewarding financial gifts they can offer—a way to pass...

Buying a home is a major life milestone—and securing the right mortgage is one of the most important steps in the process. From rates and...

At Presidential Bank Mortgage, we believe that homeownership is more than just having a roof over your head—it’s about building stability, creating generational wealth, and turning dreams into reality. That’s why we’re proud to celebrate National Homeownership Month this June by honoring the journey of homeowners across the country and the professionals who help make it possible. Why Homeownership Matters Owning a home remains one of the most effective ways to build long-ter

Applying for a mortgage is a significant financial step, and small mistakes can lead to big setbacks. Whether you’re a first-time...

Buying a home is an exciting milestone, but saving for a down payment can be one of the biggest hurdles for many buyers. Fortunately, numerous down payment assistance programs can help make homeownership more attainable. At Presidential Bank Mortgage, we want to ensure you know about the valuable resources available to you. Here are some lesser-known down payment assistance programs that could help you get into your dream home sooner. 1. Federal Home Loan Bank Atlanta (FHLBan

The real estate market is constantly evolving, and while some may hesitate to buy a home amid changing economic conditions, today’s market presents unique opportunities that savvy buyers can capitalize on. If you’ve been considering homeownership, now may be the perfect time to take the leap. Here’s why: 1. Stabilized Home Prices Create an Entry Window After years of rapid price increases, home prices have finally begun to stabilize in many markets. While prices haven’t neces

As we enter 2025, the mortgage market continues to evolve, presenting both opportunities and challenges for homebuyers and homeowners. Let’s explore the key trends and predictions for the year ahead. Interest Rate Forecast After years of fluctuations, 2025 is poised to bring more stability to mortgage interest rates. While predictions vary slightly among experts, the consensus points to rates remaining above 6% for most of the year: The Mortgage Bankers Association projects r

As we step into 2025, many aspiring homeowners are setting their sights on achieving their dream of homeownership. At Presidential Bank...

Choosing the right mortgage is a critical decision that can impact your financial future. Two of the most common mortgage terms are 15-year and 30-year loans. Each has its pros and cons, and the right choice depends on your financial situation, goals, and long-term plans. Let’s explore the key differences between these options and help you determine which might be the best fit for you. 15-Year Mortgage: Faster Payoff, Less Interest Pros: Lower Interest Payments: One of the bi

The holiday season is a time for joy, giving, and celebration, but it can also be a time of financial stress—especially if you’re in the...