Tom Galt, Mortgage Branch Manager NMLS# 552150

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.

06/01/2026

5.0 star review received on Experience.com for Tom Galt by Christina B - Timely responses, accurate information, pleasant personality, believing he sincerely was doing his best for me :)

Click to see all 134 reviews of Tom Galt, VP, Mortgage Branch Manager | NMLS 552150

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

05/27/2026

Why keep paying rent on the space your business depends on? 🏢📈
With our Owner-Occupied Commercial Real Estate Loan Program, business owners can purchase or refinance their own commercial property and start building long-term equity instead of writing monthly rent checks.

Designed for professional offices, medical practices, contractors, warehouse users, and more, this program offers flexible financing with local decision-making, no required deposit relationship and loan amounts up to ~$1M w/ flexible options.

Your business works hard—your property should too.
📲 Let’s see if owning your space makes sense for you.

05/26/2026

🏡 Sellers are becoming more realistic this spring. While many still want top dollar, more are offering concessions, pricing more strategically, and negotiating to get deals done.

With inventory rising and homes taking longer to sell, buyers may have more opportunities to negotiate closing costs, rate buydowns, and favorable terms.

Whether you’re buying or selling, the right financing strategy matters more than ever in today’s market. Let’s talk about your options.

05/25/2026

This Memorial Day, we take a moment to pause—not just to remember, but to truly reflect on the lives given in service to our country.
Their sacrifice is the foundation of the freedoms we experience every day, and it’s something we will never take for granted.

05/21/2026

Your DTI might be the number you didn’t know mattered… until now. 👀
If you’re thinking about buying your first home, understanding your debt-to-income ratio is key to knowing what you can afford.
Good news? You may qualify for more than you think. Let’s break it down.

05/20/2026

🍿 Grab the popcorn, because the housing market drama continues. But while others are waiting on the sidelines, prepared buyers are stepping in with confidence. That’s where our Buyer’s Edge Pre-Approval comes in 🏡🔥

With a fully underwritten pre-approval, buyers can strengthen their offers, move faster when the right home hits the market, and stand out in competitive situations. In today’s market, strategy matters, and being prepared can make all the difference. 🔑

05/19/2026

The Smithsonian’s National Museum of American History has officially opened its landmark “In Pursuit of Life, Liberty & Happiness” exhibition in celebration of the 250th anniversary of the Declaration of Independence.

The exhibit reflects on the evolving American Dream — and for many families, homeownership continues to be a meaningful part of that story. 🏡✨

Helping people achieve stability, build equity, and create a place to call home is something we’re proud to be part of every day.

05/18/2026

The housing market continues to evolve — and opportunities still exist for buyers who are prepared.

Fannie Mae’s latest forecast points toward continued housing activity, even in today’s elevated rate environment. With the right strategy and guidance, buyers are still finding ways to make homeownership happen.

Whether you're ready to buy now or simply exploring your options, now is a great time to start the conversation.