Paul Totman - PNC Mortgage Loan Officer -NMLS #195494

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

08/13/2025

Core inflation picked up in July, making the Fed's task even more difficult as higher tariffs kick in. PNC’s forecast is for fed funds rate cuts of 25 basis points each over the next four FOMC meetings, three in the remaining months of this year, starting in mid-September, with a fourth rate cut in early 2026. Click the link below to read PNC's latest Economic Update.

08/13/2025

Did you know PNC was named a 2025 Best Mortgage Lender for Jumbo Loans by NerdWallet?

Understand when you might need a jumbo loan and what it takes to qualify. Get insight into jumbo loans for financing high-value homes.