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 we head into 2026, many homeowners are asking: “If I’m going to invest in a remodel, which projects give me the biggest bang for my buck?” Whether you plan to stay in your home a while — or eventually sell — strategic renovations can significantly increase your property’s value. Below are the top-value upgrades for 2026. 1. Boost Curb Appeal: First Impressions Matter Exterior and curb-side upgrades remain among the highest-return projects. Garage door replacement — Often

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

Is your credit card debt creeping up on you like a ghost in the night? A high balance — and the stress of not being able to pay it off — can feel downright terrifying. But if you're a homeowner, there's a potential lifeline: your home equity. Using home equity to pay down high-interest credit card debt can be a smart move, but it’s not without risks. Before you take the plunge, let’s walk through the pros and cons of this strategy to help you decide if it’s the right path for

For many families, sending a child off to college is both an exciting milestone and a major financial commitment. Beyond tuition and...

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

Flooding may seem like a problem limited to coastal areas, but wherever you live, you should be ready to protect your home from serious water damage. Your first sign of trouble might not come from a rain cloud … it may come in the form of a backed-up drain, low water pressure, or a wet spot on a ceiling.   Smart homeowners plan for water damage before  it happens. Hopefully you’ll never need to put that plan into action, but if you do, every second will count. Why Speed Matte

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

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...

There are plenty of great reasons to buy a second home: a place to escape with family, a future retirement spot, or a way to build long-term equity. And with platforms like Airbnb and Vrbo, many buyers are eyeing second homes not just for relaxation, but for generating income too. That’s where things can get a little tricky. If you plan to rent out your second home, is it still considered a vacation home — or is it now an investment property? The answer matters, especially wh

If you’ve been feeling like your current home no longer fits—whether it’s too small, too far, too much work, or simply not the dream you once had—you’re not alone. And here’s the truth: Life’s too short to stay in a home that doesn’t fit your needs or your lifestyle. Maybe your family has grown. Maybe your priorities have changed. Maybe you’re working remotely now and craving a home office—or finally ready for that backyard. Whatever the reason, you deserve to live in a home

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

May is Military Appreciation Month—a time to honor the service, strength, and sacrifice of our nation’s military members and their...

After years of low housing supply and fierce competition, the 2025 housing market is finally shifting in some markets—and in favor of buyers. National active inventory is up 28.5% year-over-year as of March 31, 2025, offering a welcome surge in available homes. And by the end of this year, nearly half of U.S. metro areas could see inventory levels rise above pre-pandemic 2019 levels. At Presidential Bank Mortgage, we see this as a turning point—and a golden opportunity for bu

As the flowers bloom and the weather warms up, April isn’t just the perfect time for spring cleaning—it’s also an ideal moment to refresh your finances with a mortgage refinance! Whether you’re looking to lower your monthly payments, tap into home equity, or shorten your loan term, refinancing in April offers unique advantages that could help you save big. Why Refinance This Spring? 1. Mortgage Rates May Still Be Favorable Interest rates fluctuate, but spring often brings co