Presidential Bank Mortgage Colonial Heights

Presidential Bank Mortgage Colonial Heights Presidential Mortgage Group is a direct lender owned by Presidential Bank, FSB.

We offer all types of loan programs to include Conventional, FHA VA, USDA Rural Development, and VHDA.CHECK OUT OUR WEBSITE: WWW.PBM-LOANS.COM Presidential Bank Mortgage is committed to serving a wide range of customer needs and our Colonial Heights location has the staff to make your mortgage experience a positive one. We offer Conventional, FHA, VA, VHDA, and Rural Development programs and are c

ommitted to finding the mortgage product that best suits your needs. If you want a Lender with experience, local processing, underwriting and closing, great rates and the highest level of customer service, please call one of our Mortgage Loan Officers today!

09/01/2026

📊 MARKET PERSPECTIVE: Gen Z Is Entering the Housing Market

The next generation of homebuyers isn’t waiting on the sidelines. Gen Z is becoming a growing force in today’s housing market, with younger buyers representing an increasing share of purchase activity.

And they’re finding creative ways to make homeownership work. From personal savings and family assistance to non-savings sources, today’s buyers are using multiple strategies to put together their down payment.

At the same time, buyers are navigating higher rates, more inventory and a little more negotiating room than we’ve seen in recent years.

🏡 The takeaway? There isn’t one “right” path to homeownership. Understanding your financing options can make all the difference.

Check out this month’s Market Perspective for a closer look at what today’s numbers are telling us.

09/01/2026

🏡 More homes on the market could mean more room to negotiate.

Active inventory recently reached about 1.5 million homes, its highest level since May, while pending sales have slowed. That combination is giving some buyers more leverage than they’ve had in recent years.

If a home has been sitting on the market, buyers may have an opportunity to negotiate more than just the purchase price. Seller-paid closing costs, repairs, or a mortgage rate buydown could all potentially be part of the conversation.

The list price is the starting point. The right strategy could help you negotiate the deal—not just the house.

Do you know your debt-to-income (DTI) ratio? 🤔🏡 Your DTI helps lenders understand how your monthly debt compares to your...
08/31/2026

Do you know your debt-to-income (DTI) ratio? 🤔🏡 Your DTI helps lenders understand how your monthly debt compares to your income. A lower ratio may give you more financial flexibility when purchasing a home. 📊

Ready to find out? Let's chat! 💻

Great loan officers deserve great technology. 👏That's why Presidential Bank Mortgage equips our team with Encompass, one...
08/31/2026

Great loan officers deserve great technology. 👏

That's why Presidential Bank Mortgage equips our team with Encompass, one of the industry's leading loan origination platforms. 🏡 From document management 📄 to workflow automation ⚙️ and secure communication 🔒, Encompass helps simplify your day so you can stay focused on delivering an exceptional borrower experience.

When technology is paired with experienced operations 🤝, responsive underwriting 📋, and a culture that supports your success 🌟, you can spend more time building relationships and less time chasing paperwork.

📩 Interested in learning more about joining our team? We'd love to connect!
presidentialbankmortgage.com/join-our-team

💼 The right lending partner does more than close loans—they help grow your business.With financing solutions for a wide ...
08/28/2026

💼 The right lending partner does more than close loans—they help grow your business.

With financing solutions for a wide variety of borrower scenarios, you can confidently refer every client knowing they'll receive exceptional service and personalized guidance from start to finish.

📲 Let's build more success together.

Robots can run. Jump. Even play soccer.But can they get you pre-approved?The World Humanoid Robot Games are showing just...
08/26/2026

Robots can run. Jump. Even play soccer.
But can they get you pre-approved?

The World Humanoid Robot Games are showing just how far technology has come. And in the mortgage world, technology can make things faster, easier and more convenient, too.

But when the unexpected happens? That’s where having an experienced human in your corner matters.

Real questions deserve real answers.
Unique situations need real solutions.
And one of the biggest financial decisions you’ll make deserves a personal touch.

Keep the robots in the games. Put your mortgage in human hands.

Ready to make your move? Let’s connect.

08/24/2026

🏡 Mortgage qualifying just got a little more flexible for some borrowers.

Freddie Mac has expanded its Accumulated Assets as Income guidelines, an important update for borrowers whose financial strength may be tied more to their assets than a traditional paycheck.

Think about someone who has built significant wealth through investments, retirement accounts or other eligible assets but has a lower or less predictable monthly income. Previously, that financial picture might not have translated as favorably when qualifying for a mortgage.

With the updated guidelines, Freddie Mac has:

🔹 Removed the minimum age requirement
🔹 Improved the asset calculation
🔹 Expanded certain LTV and property eligibility

It’s a good reminder that income isn't always the whole story when it comes to mortgage qualification.

If you have substantial assets and are considering buying a home, let's chat!

Your interview starts before you ever answer the first question.A little preparation can go a long way. Here are 5 simpl...
08/20/2026

Your interview starts before you ever answer the first question.

A little preparation can go a long way. Here are 5 simple tips to help you stand out in your next interview:
✔️ Do your research
✔️ Share real examples
✔️ Build relationships
✔️ Ask thoughtful questions
✔️ Follow up with a thank-you email

Which tip do you think makes the biggest difference? Let us know below!

08/19/2026

🏡 Fixed-rate or Adjustable-Rate Mortgage... which is right for you?

There's no one-size-fits-all answer. It all comes down to your financial goals, how long you plan to stay in the home, and what you're comfortable with.

Watch this quick recap to learn the key differences, then reach out if you'd like to explore which option makes the most sense for your situation.

📩 Let's find the mortgage that fits you.

08/17/2026

Mortgage applications rose 3.6% last week, with refinances up 5%. 📲 More people are getting their paperwork in motion, which usually means they saw something they liked in the numbers. Being prepared is what lets you act when your moment shows up. Want to know where you stand? Let's talk!

Address

2425 Boulevard #1
Colonial Heights, VA
23834

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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