Terry Kernan, Mortgage Branch Manager NMLS# 536287

06/15/2026

🚗 Looks like more people are putting their homeownership plans in gear.
With mortgage application activity on the rise, many buyers and homeowners are deciding it's time to explore their next move. Whether you're looking for a new address or a new strategy for your current home, knowledge is power.
📲 Let's talk about the road ahead.

06/15/2026

5.0 star review received on Experience.com for Terry Kernan by Giovana T - terry was very helpful with the entire proces, made us feel confo and confident with every step

Click to see all 239 reviews of Terry Kernan , Vice President | NMLS 536287

06/12/2026

🌿 Your houseplants deserve a permanent address, too.
If the plant collection has outgrown the apartment windowsill, it may be time to explore homeownership. More space, more sunlight, and a place to truly put down roots.
June is Homeownership Month—the perfect time to start planning for a home of your own.

06/11/2026

⚽The World Cup has a way of bringing people together—whether it's gathering with friends, cheering on a favorite team, or simply enjoying the excitement of the tournament.

As the matches begin, it's a reminder that reaching big goals rarely happens by accident. Success takes preparation, patience, and the right team behind you. The same is true when it comes to homeownership.

Whether you're buying your first home, moving up, or planning your next chapter, having a solid game plan can make all the difference.

Here's to a great tournament, memorable moments, and finding your own home-field advantage when it's time to make your next move.

06/09/2026

🏡 Still saving for a down payment? You may not have to do it alone.

One of the biggest challenges for homebuyers isn't qualifying for a mortgage—it's coming up with the cash needed upfront. Down Payment Assistance Programs can help eligible buyers bridge that gap, making it easier to move from renting to owning.

If you've been putting off your home search because of your savings account, it may be time to explore what's possible.

📞 Let's talk about your options and create a plan that gets you closer to the front door.

06/08/2026

What if the “uncertain market” is actually creating openings for buyers who are paying attention? 🏡
Recent economic strength, rising housing supply, and ongoing price adjustments from sellers are quietly shifting leverage in the market. It may not feel like a perfect moment—but it is a more accessible one.
For buyers ready to move strategically, opportunity is starting to show up in real ways.
Missed calls happen. Missed opportunities don’t have to.

06/06/2026

5.0 star review received on Experience.com for Terry Kernan by Darren A - Terry and the team have always been amazing with communication and getting the loan process to be very smooth and a positive experience for all thanks

Click to see all 238 reviews of Terry Kernan , Vice President | NMLS 536287

06/03/2026

🏀 The NBA Finals are all about having an edge when the stakes are highest. The same goes for buying a home.

In today's market, preparation can make all the difference—and that's exactly what our Buyers Edge Pre-Approval is designed to do.

✅ Know your buying power before you shop
✅ Strengthen your offer when you find the right home
✅ Move quickly in a competitive market
✅ Buy with confidence from start to finish

Whether you're purchasing your first home, moving up, or navigating a more complex financing scenario, having a trusted mortgage team and a solid game plan can help put you in a winning position.

🏡 Ready to make your move? Get started with a Buyers Edge Pre-Approval today and gain the advantage before you step onto the court.

06/01/2026

📈 Mortgage rates remain a key focus for buyers and homeowners this month, with several economic reports expected to influence market movement.

The June employment report, inflation data, and Federal Reserve meeting could all play a role in shaping interest rate expectations in the weeks ahead. While no one can predict exactly where rates will go, these events often provide important insight into the broader economic outlook.

As always, staying informed is one of the best ways to navigate a changing mortgage market.

05/31/2026

Buy it. Fix it. Make it yours. 🏠✨
Renovation and rehab loans are a powerful way to turn a “not quite right” home into the perfect fit—by combining purchase and renovation costs into one streamlined mortgage.

Whether it’s a fixer-upper or upgrades to your current home, this approach can simplify financing, reduce upfront costs, and unlock long-term value.

👉 Read the full breakdown:
https://www.presidentialbankmortgage.com/post/renovation-rehab-loans-everything-you-need-to-know