ONE Presidential Mortgage South Carolina

08/27/2026

🎥 Mortgage Myth: There isn't a "best" loan—only the best loan for your goals.

A fixed-rate mortgage offers predictable monthly payments, while an ARM may provide a lower initial rate depending on your plans.

Check out this quick breakdown, and if you're unsure which direction to go, let's talk through your options together. Your home financing should fit your life—not the other way around. 🏠

08/26/2026

Think your debt-to-income (DTI) ratio is too high to qualify for a mortgage? Think again. 🏡📊 While many lenders cap DTI at 43%, we have loan programs that may allow for higher ratios for qualified borrowers. Every financial situation is unique, and the right loan solution could be closer than you think. 📲Reach out today to explore your options!

08/24/2026

🏡 Mortgage qualifying just got a little more flexible for some borrowers.

Freddie Mac has expanded its Accumulated Assets as Income guidelines, an important update for borrowers whose financial strength may be tied more to their assets than a traditional paycheck.

Think about someone who has built significant wealth through investments, retirement accounts or other eligible assets but has a lower or less predictable monthly income. Previously, that financial picture might not have translated as favorably when qualifying for a mortgage.

With the updated guidelines, Freddie Mac has:

🔹 Removed the minimum age requirement
🔹 Improved the asset calculation
🔹 Expanded certain LTV and property eligibility

It’s a good reminder that income isn't always the whole story when it comes to mortgage qualification.

If you have substantial assets and are considering buying a home, let's chat!

08/17/2026

The market is getting a little busier. 👀

Mortgage applications increased 3.6% last week, while refinance applications climbed 5%. That tells us more people are taking a closer look at what today’s market could mean for them.

Whether you're thinking about buying, refinancing, or simply planning ahead, knowing where you stand puts you in a stronger position to act.

📲 Want to see what your options could look like? Let’s connect.

08/14/2026

🔑 More inventory. More choices. More opportunity.

The housing market is giving buyers something they haven't had as much of in recent years: options.

With 1.05 million active listings and inventory continuing to rise, buyers may have more opportunities to compare homes, negotiate and make decisions without feeling as rushed.

At the same time, sellers are navigating a market where pricing strategy matters more than ever.

The latest numbers tell the story:

🏠 1.05M active listings nationwide
📈 Inventory up 4.1% month over month
📉 Median list prices down 2.4% year over year
💰 Median closing prices up 1.5% year over year
⏱️ Homes averaging 52 days on the market

The takeaway? This isn't a market where one-size-fits-all advice works. Your financing, timeline and goals all matter.

👉 Thinking about making a move? Let's review your options and create a mortgage strategy that works for you.

08/14/2026

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.

08/13/2026

🎒 Back-to-school season isn't just about shopping lists—it's the perfect time to review your family's financial game plan.

Did you know your mortgage strategy could help free up funds for education savings and other long-term goals? Small financial adjustments today can make a big difference tomorrow.

📚 Read our latest blog to learn how smart mortgage planning can support your family's future, then let's chat to discuss your options.

https://www.onepresidentialmtg.com/post/back-to-school-financial-strategies-boost-your-education-savings-with-smart-mortgage-planning

08/10/2026

🏢 Found the condo you love? There’s more to qualify for than just the buyer.

When you purchase a condo, your mortgage approval can depend in part on the health of the community you’re buying into. Recent changes are putting more emphasis on reviewing the condo project itself, including its finances, insurance, reserves and potential assessments or legal issues.

That means a buyer can be financially ready to purchase, but the property may still need to meet certain lending requirements.

If a condo is on your fall shopping list, ask about the building early in the process. A little extra homework upfront could save you from finding out too late that there’s an issue with the property.

📲 Have questions about financing a condo? Let’s talk before you start shopping.

08/06/2026

🤝 Every client deserves a financing solution.

From first-time homebuyers and self-employed borrowers to investors, jumbo loans, renovation financing, and more, we offer a full range of mortgage products to help serve virtually every client who comes your way.

🏡 One lending partner. Countless possibilities.