Jerry Apicella, Senior Loan Officer NMLS# 525731

Jerry Apicella, Senior Loan Officer NMLS# 525731 Each borrower has a unique circumstance and it is my job to find the right product to fit their needs and future financial goals.

Presidential Bank Mortgage is a full service, residential mortgage lender headquartered in Bethesda, Maryland that has served our community since 1987. As an operating division of Presidential Bank, FSB, Presidential Bank Mortgage provides loans across the United States*. Presidential Bank Mortgage continues to grow each year and has doubled in size since 2010. Our experienced management team has

served the Mid-Atlantic region for almost thirty years. Presidential Bank Mortgage has seventeen retail branches conveniently located throughout Virginia, Maryland, Pennsylvania and New Jersey. Our local offices offer our customers fast and convenient service within their communities. The key to our success is that we offer a wide array of affordably priced mortgage programs and provide professional, experienced, local service that is second to none.

Buyer activity is picking up — and fast! 🚀 When the market moves, being prepared is everything. A solid pre-approval can...
11/17/2025

Buyer activity is picking up — and fast! 🚀 When the market moves, being prepared is everything. A solid pre-approval can help you stand out and move confidently when the right home hits the market 🏡✨

Let’s get you ready to compete! 💪

Today we honor all who have served — and those who stand proudly beside them.To every Veteran and every family who’s sac...
11/11/2025

Today we honor all who have served — and those who stand proudly beside them.
To every Veteran and every family who’s sacrificed alongside one: thank you for your courage, strength, and service. ❤️💙

💡 Make Your Mortgage Work SmarterIn today’s market, preparation pays off. From rate buydowns and discount points to loca...
11/10/2025

💡 Make Your Mortgage Work Smarter
In today’s market, preparation pays off. From rate buydowns and discount points to local and state programs offering down payment or closing cost assistance, there are creative ways to lower borrowing costs and make homeownership more affordable — both now and in the long run.

📞 Let’s build a strategy that helps you maximize your mortgage potential.

Looking for a smart way to save on your next mortgage?An Adjustable-Rate Mortgage (ARM) could be the key. 🏡With lower in...
11/06/2025

Looking for a smart way to save on your next mortgage?
An Adjustable-Rate Mortgage (ARM) could be the key. 🏡
With lower initial rates, an ARM can offer upfront savings — a smart choice for buyers planning to move or refinance in the next few years.

✨ More flexibility. More options. More ways to reach your goals. Let’s find out if an ARM is right for you!


Thinking about waiting for lower mortgage rates?While rates have come down from last year’s highs, there’s no guarantee ...
11/03/2025

Thinking about waiting for lower mortgage rates?

While rates have come down from last year’s highs, there’s no guarantee they’ll drop much further — and when they do, competition tends to heat up fast.

Remember the industry saying: “Date the rate, marry the home.”

You can always refinance later if rates improve — but once a home sells, it’s gone.


More time, more opportunities!Daylight Saving Time ends, but it’s always the right time to explore your mortgage options...
11/02/2025

More time, more opportunities!
Daylight Saving Time ends, but it’s always the right time to explore your mortgage options. Let’s make your next move before the year runs out! 💪🏠

🍂 Happy Halloween! As you enjoy the treats of the season, remember we’re here to help you take the next step toward home...
10/31/2025

🍂 Happy Halloween! As you enjoy the treats of the season, remember we’re here to help you take the next step toward homeownership—no tricks, just guidance. 🏠

Veterans, did you know you may be able to lower your mortgage rate without the hassle of a full refinance? The VA Intere...
10/29/2025

Veterans, did you know you may be able to lower your mortgage rate without the hassle of a full refinance? The VA Interest Rate Reduction Refinance Loan (IRRRL) is designed just for you.

✔️ Lower your monthly payments
✔️ Minimal paperwork, no appraisal in many cases
✔️ Fast, simple process for qualified borrowers

🏡 If you already have a VA loan, this could be the easiest way to save money and put more back in your pocket.

📲 Reach out today to see if the VA IRRRL is right for you!

The Federal Reserve just cut interest rates for the second straight meeting — sending a positive signal to buyers and ho...
10/29/2025

The Federal Reserve just cut interest rates for the second straight meeting — sending a positive signal to buyers and homeowners.

What does that mean for you?
✅ Increased optimism around mortgage affordability
✅ A potential window of improved buying power for home shoppers
✅ A smart time for homeowners to reassess refinance or HELOC savings

Now’s the time to take a fresh look at your options and see how this change could help you reach your home goals.

Feeling a little more confident about the market lately? You’re not alone. 👏With rates holding steady and buyer interest...
10/27/2025

Feeling a little more confident about the market lately? You’re not alone. 👏

With rates holding steady and buyer interest staying strong, the housing market is finally finding its balance.

🏡 Thinking about your next step? Let’s talk through your options!

🍂 Fall isn’t just for raking leaves and cleaning gutters—it’s also the perfect season to tidy up your finances. Refinanc...
10/23/2025

🍂 Fall isn’t just for raking leaves and cleaning gutters—it’s also the perfect season to tidy up your finances. Refinancing now could help you:
☑ Lower your monthly payments
☑ Free up cash for seasonal home repairs
☑ Start the new year with a fresh budget

🏡 From roof repairs to HVAC upgrades, refinancing can fund the fall projects that keep your home safe and comfortable. Let’s review your options today!

https://www.presidentialbankmortgage.com/post/fix-up-your-finances-and-your-home-this-fall

10/21/2025

🚀 Housing Market Momentum Is Building!

With new-home sales and mortgage applications on the rise, conditions are looking brighter for both buyers and sellers.

Curious how these trends impact you? Let’s chat about your next step! ✨

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175 Admiral Cochrane Drive #101-A
Annapolis, MD
21401

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Presidential Bank Mortgage

Presidential Bank Mortgage is a full service, residential mortgage lender headquartered in Bethesda, Maryland that has served our community since 1987. As an operating division of Presidential Bank, FSB, Presidential Bank Mortgage provides loans across the United States*. Presidential Bank Mortgage continues to grow each year and has doubled in size since 2010. Our experienced management team has served the Mid-Atlantic region for almost thirty years.

Presidential Bank Mortgage has 16 retail branches conveniently located throughout Virginia, Maryland, and Pennsylvania. Our local offices offer our customers fast and convenient service within their communities. The key to our success is that we offer a wide array of affordably priced mortgage programs and provide professional, experienced, local service that is second to none.