John Melnick II Presidential Bank Mortgage NMLS ID# 527960

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Fairfax, VA
John Melnick II Presidential Bank Mortgage NMLS ID# 527960

John Melnick II Presidential Bank Mortgage ohn is a career mortgage loan officer. Company NMLS # 421593

He has been providing mortgages for his clients for 30+ years and has been a senior loan officer with Presidential Bank Mortgage since 2009. He has helped his clients navigate through a variety of different housing markets and considers himself a trusted mortgage advisor. John believes homeownership provides financial security, creates generational wealth, and improves communities. What makes John stand out is how he calmly and patiently guides clients through the complex mortgage process. He notes that setting reasonable expectations upfront and providing regular communications throughout equals less stress and more success getting a home loan. "I listen to my clients and create a mortgage plan that meets their homeownership goals and eligibility.” John stays up to date with financing trends and uses modern technology to provide a superior mortgage application experience. John's business is based on referrals from satisfied clients and referral partner relationships. “The best part of my job is attending a happy settlement and knowing I have made a real difference in my client’s lives”. John provides home loans for residences, 2nd homes, and investment properties, nationwide. John grew up in Arlington, Virginia and currently lives in Reston, Virginia with his wife and two sons. When he isn't in the office, John enjoys playing guitar in a band, volunteering, photography, running, and brewing b**r. Scroll down to see what John's clients and partners have shared about their experience!

11/02/2026

Waiting for the Fed to make its next move before buying a home? Here's something to keep in mind. 🏡

The Fed's latest announcement came and went, but mortgage rates saw only modest movement.

Why? Mortgage rates don't move in lockstep with the Fed. They tend to follow the bond market, which responds to a variety of economic factors.

That means waiting for a particular Fed date doesn't necessarily mean you'll get a better mortgage rate.

The best time to buy depends on more than a headline. Let's talk about your goals, your budget, and what options may be available to you.

11/01/2026

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! 💪🏠

10/31/2026

No tricks, just helpful mortgage guidance! 🎃🏡 This Halloween, let's help make the path to homeownership feel a little less frightening.

Ready to explore your mortgage options? Let's chat today!

10/30/2026

🏡💰 Mortgage Payoff vs. Investing: Which Move is Right for You?

Should you pay off your mortgage early or put that extra money toward investments? Both options have potential benefits, but the right choice depends on your financial goals!

Check out our new blog post to explore both options and learn what factors to consider when making your decision.

https://www.presidentialbankmortgage.com/post/mortgage-payoff-vs-investing-which-move-is-right-for-you

10/29/2026

🐝 BUZZ-WORTHY TIP #3: Turn your mortgage partner into a listing resource.

Realtors, your mortgage partner can bring more to the table than just financing.

Payment flyers, affordability graphics, QR-code payment scenarios and open house pre-approval tools can help you give potential buyers a clearer picture of what a home could look like financially.

These tools can help create more engagement around your listings, give buyers something useful to take away, and give you another way to start conversations with potential clients.

🏡 More tools. More buyer engagement. More ways to market your listings.

10/28/2026

The Fed is making headlines again, but what does that really mean for your mortgage?

Here's what matters: Mortgage rates don't move automatically with the Fed, and waiting for the "perfect" rate doesn't guarantee a better opportunity.

Whether you're looking to buy, refinance or explore your home equity options, don't let market headlines determine your next move.

Don't just watch the rates. Know your opportunities.

Let's run the numbers and see what makes sense for YOU in today's market!

10/28/2026

🚒🚑 Today, on National First Responders Day, we honor the firefighters, police officers, EMTs, and other first responders who dedicate their lives to protecting and serving our communities.

Thank you for answering the call, showing up when it matters most, and helping keep our communities safe. You deserve a place to call home, too! 🏡

Did you know there are a number of down payment assistance programs available specifically for first responders? Depending on your location, profession, and eligibility, these programs may help make homeownership more attainable.

Whether you're a firefighter, police officer, EMT, or another dedicated first responder, there may be options worth exploring.

💙 Ready to see what may be available to you? Let's connect and explore your homeownership options!

10/28/2026

🍂🏡 Myth: Fall is a bad time to buy a home.

Fall may bring less competition, motivated sellers, and more room to negotiate, depending on your local market. The best time to buy comes down to your goals, finances, and what works for you. 🔑✨

Ready to explore your homebuying options? Let's chat today!

10/26/2026

Homeowners are sitting on an estimated $35 trillion in equity. 🔑 More are using it for renovations and big goals while keeping their current mortgage in place. Curious what yours could do? Let's start the conversation.

10/26/2026

5.0 star review received on Experience.com for John Melnick by Tammy L - John was very patient and professional. He was cery reaponsive and answered all of my questions.

Click to see all 270 reviews of John Melnick, NMLS 527960 Presidential Bank Mortgage, Senior Loan Officer | NMLS 527960

Address

11320 Random Hills Road #100
Fairfax, VA
22030

Website

http://www.pbm-loans.com/john.melnick

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