Joe Dunn, One Presidential Mortgage NMLS #160856

10/29/2026

Last night I had the opportunity to attend the Safe Harbor oyster fest at their office in Richmond. It was a fantastic time and I got to see Steve Moss, Colby Kay and Dakia Knight all from Icon Realty. They have been really good friends for years and are true professionals at what they do. Derrick Whitfield who recently joined one presidential was there as well.

Thanks Mary Brown and Melissa from Safe Harbor for the invite!

10/28/2026

The Federal Reserve decided to hold its benchmark interest rate steady today, but that doesn't mean mortgage rates are standing still.

Here's why:

The Fed's benchmark rate primarily influences short-term borrowing costs. Mortgage rates, especially 30-year fixed rates, are more closely tied to longer-term market expectations, including Treasury yields and inflation.

That means mortgage rates can move up or down even when the Fed makes no changes.

For prospective homebuyers, this is an important reminder: Waiting for the Fed to lower rates doesn't necessarily mean you'll get a better mortgage rate later.

Your timing, budget, and financing options all matter.

Thinking about buying a home? Let's discuss your options and build a plan that works for you.

10/28/2026

🏡💰 Is paying off your mortgage early the best financial move, or could investing your extra money be a better option?

There’s no one-size-fits-all answer! Understanding your options can help you make decisions that align with your financial future.

Check out our new blog post, “Mortgage Payoff vs. Investing: Which Move is Right for You?” to learn more!

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

10/28/2026

Every year I look forward to this one.

Youth Life Foundation of Richmond’s Christmas in RVA is coming up on December 11, and it’s one of my favorite nights of the season. Games, laughter, a great dinner, and a whole lot of joy as we celebrate the birth of Jesus with the students and their families.

Every student in the after school program gets three sponsored Christmas gifts, plus the chance to pick out gifts for their own families. That second part gets me every time.

None of it happens without sponsors. If it’s on your heart to sponsor a student this year, scan the QR code on the flyer or send me a message and I’ll point you in the right direction.

Sponsor spots need to be locked in by November 13, so don’t wait on this one.
📅 December 11, 6:00 to 8:00 PM�
📍 Staples Mill Road Baptist Church, 10101 Staples Mill Rd, Glen Allen

Let’s make it a big one for these kids. 🎄

10/27/2026

Looking for a mortgage option with a little more flexibility? An adjustable-rate mortgage (ARM) typically starts with a fixed interest rate for a set period before the rate can adjust over time.🏡

Wondering if an ARM could work for you? Let's connect today to chat about it!

10/27/2026

Clever Real Estate just released its 2026 Haunted House Report, and the numbers are kind of great.

More than half of Americans (54%) say they could be talked into buying a house they knew was haunted. And 71% wouldn’t even move out right away if they found a ghost in their current home.

So what actually scares people? Repairs. 91% said things like mold, termites, and asbestos frighten them more than any ghost.

Honestly, that tracks. In my world the scary stuff usually isn’t in the attic. It’s not knowing what you can afford, or getting surprised late in the process.

And to the 53% who said they’d live with a ghost if it meant no mortgage payment... I can’t help you there. But I can sit down with you, walk through your options, and make sure you know exactly where you stand before you start touring.

Thinking about buying? Let’s talk. It’s a Dunn Deal.

Joe Dunn | NMLS #160856�ONE Presidential Mortgage | NMLS #421593�Not a commitment to lend. Terms and conditions apply. Contact us for details.

10/26/2026

🏡 Homeowners have built up significant equity, and that value could open the door to new possibilities.

From home renovations to other major expenses, there may be ways to put your equity to work without replacing your current mortgage. 🔑

Curious about your options? Let's talk about what might make sense for you!

10/26/2026

Payments feel tight at today’s rates? A temporary buydown could help.

Here’s how it works. A one time deposit, often paid by the seller or builder, lowers your interest rate for the first 1, 2, or 3 years. Your payment starts lower, steps up on a set schedule, then settles at your note rate. No balloon payment at the end.

A few things to know:
✔️ 1/0, 1/1, 2/1, and 3/2/1 options
✔️ Available on Conventional, FHA, USDA, and VA loans
✔️ Primary residence purchases
✔️ Unused funds may be credited back if you sell or refinance early, depending on the program

Shopping new construction? Ask whether the builder is offering incentives that can go toward a buydown. It’s one of the first things I look at with my buyers.

Let’s see which option fits your budget. Call or text 804.543.2261.

Joe Dunn | NMLS
#160856
ONE Presidential Mortgage | NMLS
#421593 | Equal Housing Lender. All loans subject to credit approval. Not a commitment to lend. Program availability and eligibility vary. Terms and conditions apply. Contact us for details.

10/23/2026

Enjoy this quick update on what's going on in the housing and financing markets.

Enjoy this quick update on what's going on in the housing and financial markets.

10/23/2026

I want to take a moment to thank all of you who participated, donated or volunteered for the Dunn Deal Charity Golf Tournament to fund a scholarship at Hampden Sydney College in honor of my dad, Joseph Daves Dunn.

It was an absolutely beautiful day and the course was in great shape.
Thank you so much to Mike Hatch, DJ, Josh and all of the staff at Birkdale golf club. Yall do an amazing job.

Thank you to Route 60 diner and Brickhouse diner for donating the lunches and preparing the food for the reception.

Thanks also to Mauro and the staff at the Great American Ranch for the after party.

Thank you to my beverage cart and hole sponsors. Your generosity means the world to me.

Fantastic day with fantastic people that really put a smile on my face. Love and miss ya dad; we will get there.