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At Presidential Bank Mortgage, we are more than just a lender. We are a Federally Chartered Bank with a local presence and have been a leader in the Mid-Atlantic Region for over 38 years. We lend in all 50 states (no state licensing required), while still maintaining local ties to the community and real estate professionals in our area.

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Loan Officers & Managers

have been with us 10, 15, 20,

and even 25 years!

In-house processing,

underwriting, and closing

teammates have been with us

for 10, 20, and 30 years!

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Privately held bank committed

to mortgage business for over

38 years.

Originated over $5 billion in

the last four years through


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Branch-specific appraiser 


No multi-layer management,

go directly to senior leadership

for on-the-spot decision


customer satisfaction with shining stars



We channel our resources to promoting and building YOUR BUSINESS AND BRAND! Clients and agents choose
YOU, not the company. That's why we provide you with the tools you need for long-term success.

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Products & Programs

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  • FNMA, FHLMC, FHA, VA, USDA & State Bond

  • Portfolio ARM Products

  • 1X Close Construction

  • FHLBank Atlanta Grants & Presidential Bank Grants

  • HomeReady® | HomePossible®

  • High Balance & Jumbo

  • Bank Statement Program

  • In-House HELOC & Bridge HELOC

  • Maryland Mortgage Program

  • DC Opens Doors

  • PA Finance Housing Agency Programs

  • North Carolina Housing Program

  • Florida Housing Program

  • New Home Advantage - up to $5k closing cost assistance

  • Community Lending Program - up to 2 points toward rate reduction or closing costs

  • RAPID Program - portfolio product with reduced asset, property & income documentation

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Rate Protection

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  • Overnight, weekends & holidays

  • Agency Lock and Shop program, up to 110 days, no upfront fees

  • Long-term locks up to 350 days

  • Rate Drop Program offers exclusive savings when refinancing to a lower rate

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Buyer's Edge Pre-Approval

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  • Upfront credit approval

  • Reduced closing time

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In-House One-Time Close Construction Loans

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  • Construction-to-Permanent

  • Renovation

  • Lot Loans

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Competitive Benefits

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  • Company Funded Pension

  • 401(k) with 4% Corporate Match

  • Medical, Dental and Vision Care Programs

  • Flexible Spending Account (FSA)

  • Life & AD&D Insurance

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Simple Workflows & Seamless Processing

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  • Encompass LOS

  • Encompass Web Access

  • All vendor systems integrated into LOS

  • Hands-On Training/Designated Loan Support Team

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Dedicated In-House Marketing Team

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We do all the heavy lifting to give
you a robust social media presence
and amazing done-for you
automated marketing systems.

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