Paul Totman - PNC Mortgage Loan Officer -NMLS #195494

09/12/2026

Real estate doesn't just happen Monday through Friday, and neither do mortgage questions.

Whether you're touring homes on a Saturday, writing an offer on a Sunday, or simply thinking through your options, I'm always happy to help.

Sometimes the weekend is actually the best time to connect, and I make myself available when my clients need me most.

📲 Questions are always welcome. Let's talk.

pncmortgage.com/paultotman

09/11/2026

Did you know? A Quitclaim Deed doesn’t actually guarantee ownership, it simply transfers whatever interest someone may have in a property. That’s why it’s often used between family members or in situations where trust already exists.

If you’re a first‑time homebuyer and you’ve heard the term but aren’t quite sure what it means, this quick read breaks it down in simple terms.

I'm always here to help make the confusing parts of homebuying a little clearer! Reach out anytime!

Discover what a quitclaim deed is, how it works, and the key elements to include in the process. Learn about its benefits, risks, and alternatives.

09/11/2026

Every time I learn more about PNC's CHELOC, I'm reminded why it's such a valuable option for homeowners. The flexibility to lock and relock portions of the balance is a standout feature, and the streamlined process that can help eligible loans close in as few as 4 days is equally impressive. 🍑🏠

Certain restrictions apply. Results may vary. All loans subject to underwriting and processing requirements.

08/25/2026

I'm proud to be part of a team recognized by Scotsman Guide as a Top Mortgage Lender for 2026. While the recognition is exciting, what matters most to me is helping clients confidently achieve their homeownership goals and celebrating those milestones alongside them.

08/24/2026

🏠 One of the most common questions homebuyers ask is: "What happens during underwriting?"

Underwriting is an important step in the mortgage process where a lender reviews financial information to assess a loan application. Understanding what to expect can help make the homebuying journey feel a little less stressful.

📩 Have questions about the mortgage process? I'm always happy to help. (678) 859-4786

Explore the definition and role of underwriting in real estate. Understand the risks and valuations that define this essential financial process.

08/24/2026

Good news for Atlanta buyers: More balance is returning to the market.

According to PNC's latest Atlanta report, housing supply has largely caught up with demand and home prices were flat year-over-year. Meanwhile, Atlanta's economy remains supported by population growth, business investment, and job creation.

Translation: More opportunities for buyers and a more sustainable market for homeowners and real estate professionals alike.

Link to the full report in the comments below.

09/30/2025

Yes, it is possible to refinance a HELOC. There are multiple methods of refinancing a HELOC and if this is of interest to you, send me a message and we can discuss which refinancing method would help you achieve your goals.
https://pncmortgage.com/paultotman

HELOC refinance can offer a variety of benefits, such as lower interest rates and monthly payments, but it's important to know the intricacies of the process.

08/15/2025

https://www.pnc.com/insights/personal-finance/invest/five-ways-to-prepare-for-realities-of-retirement.html

Retirement is lasting longer and could easily encompass nearly a third of your life. Learn four ways to prepare and help set yourself up for success.

08/14/2025

Happy to hear that PNC was tied for No. 1 in mortgage and home equity digital user experience by Keynova Group's 2025 Mortgage Home Equity Scorecard. Great work team!

Thanks Keynova Group for recognizing PNC in your 2025 Mortgage-Home Equity Scorecard. We are very proud to deliver a top digital mortgage and home equity experience for our clients that’s transparent, convenient and seamless. Grateful to my many colleagues for all their exceptional work a...

08/14/2025

Curious where today's mortgage rates are? Reach out to me today and I'd be happy to give you an update and discuss your future plans.
+16788594786
https://pncmortgage.com/paultotman