Tom Galt, Mortgage Branch Manager NMLS# 552150

08/27/2026

5.0 star review received on Experience.com for Tom Galt by Mike M - The experience was great. Tom is a true proffessional and very available and geat to work with.

Click to see all 141 reviews of Tom Galt, VP, Mortgage Branch Manager | NMLS 552150

08/26/2026

Robots can run. Jump. Even play soccer.
But can they get you pre-approved?

The World Humanoid Robot Games are showing just how far technology has come. And in the mortgage world, technology can make things faster, easier and more convenient, too.

But when the unexpected happens? That’s where having an experienced human in your corner matters.

Real questions deserve real answers.
Unique situations need real solutions.
And one of the biggest financial decisions you’ll make deserves a personal touch.

Keep the robots in the games. Put your mortgage in human hands.

Ready to make your move? Let’s connect.

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!

08/22/2026

Let's be real for a second — that rent check you write every single month? It's paying off your landlord's mortgage, covering their property taxes, and padding their investment portfolio. Meanwhile, your net worth? Standing still. 🏠💸😬

Renting gives you a roof over your head, but it gives you zero equity in return. No ownership, no asset growth, no long-term wealth building. Just a receipt at the end of the month and a hope that your rent doesn't go up again next year.

The good news? You have options. Whether you're a first-time buyer or just curious about what you actually qualify for, the first step is getting the right info — and we make that part easy.

Stop renting someone else's dream and start building your own. Visit our website today to explore your path to homeownership — no pressure, just real talk and real numbers.

Your future self will thank you. 🔑🏡

08/20/2026

Want to win more listings? Lead with payment strategy, not just price! 🏡

Showing sellers how rate buydowns, concessions, and financing options can expand buyer demand creates stronger conversations and happier sellers.

Let's chat today to learn how I can help you create a winning strategy!

08/19/2026

🏡 Fixed-rate or Adjustable-Rate Mortgage... which is right for you?

There's no one-size-fits-all answer. It all comes down to your financial goals, how long you plan to stay in the home, and what you're comfortable with.

Watch this quick recap to learn the key differences, then reach out if you'd like to explore which option makes the most sense for your situation.

📩 Let's find the mortgage that fits you.

08/14/2026

🏡 The housing market is shifting—and buyers are gaining more options.

As inventory continues to expand, sellers are adjusting their expectations while buyers are getting more choice and negotiating power.

Here’s what the latest market data shows:

📉 Median list price: $429,500, down 2.4% year over year
📈 Median closing price: $400,894, up 1.5% year over year
🏘️ Active listings: 1.05 million, up 4.1% month over month
⏳ Average time to sell: 52 days

So what does this mean? A changing market doesn't necessarily mean you should wait—it means you should have a strategy.

Whether you're thinking about buying now, selling, or simply trying to understand your options, having the right information can make all the difference.

👉 Let's talk about what today's market could mean for your goals. Reach out today to discuss your options.

08/12/2026

Happy International Youth Day! 🌟 Here are 3 quick facts about why young buyers are so important:

1. They start building wealth earlier – Buying young means decades of equity growth. Smart move! 📈

2. They shape better communities – Young homeowners bring fresh ideas, sustainability, and connection to neighborhoods. 🌱

3. They inspire the next generation – Every young buyer today becomes a role model for tomorrow's first-timers. 💫

At Presidential Bank Mortgage, we believe in you. Keep dreaming, keep saving—your future is bright! 🏡💛

Drop a 🗝️ if you're a young buyer chasing that first home!

08/11/2026

✏️ As the kids head back to school, take a moment to think beyond this year's school supplies.

A thoughtful mortgage strategy can play an important role in your overall financial plan—helping you manage monthly expenses while working toward future education goals.

📖 Check out our latest blog for practical tips, and if you'd like to explore your mortgage options, let's connect!
https://www.presidentialbankmortgage.com/post/back-to-school-financial-strategies-how-smart-mortgage-planning-can-boost-your-education-savings

08/10/2026

🏢 Condo buyers, this is one to have on your radar.

Buying a condo can come with an extra layer of homework — and recent changes mean the condo community itself may face a closer look during the mortgage process.

Things like the HOA’s financial health, insurance, reserves, assessments, and potential litigation can all become part of the conversation when determining whether a project is eligible for financing.

The takeaway? Don’t wait until you’ve found your dream condo to start asking questions about the building. Getting the right information early can help you better understand the property and avoid unexpected delays later.

Thinking about buying a condo this fall? Let's connect and make sure you know what to look for. 🏡