Tonya Kern, Mortgage Loan Officer/Sales Leader NMLS 1021668

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Tonya Kern, Mortgage Loan Officer/Sales Leader NMLS 1021668

Mortgage Loan Officer/Sales Leader NMLS 1021668 with ONE Presidential Mortgage Tonya is deeply involved in her community and the homebuilding industry.

Bringing energy, empathy, trust and expertise to every transaction, Tonya Kern is passionate about turning dreams into keys! With 4 years in the mortgage industry and a decade in new construction real estate, Tonya understands every angle of the homeownership journey—and she loves going to bed each night knowing she played a part in making someone’s dream of owning a home a reality. She’s a founding chair member of the Professional Women in Building (PWB), serves on the MAME Council with the Richmond Home Building Association, and volunteers her time with Habitat for Humanity and other local causes. Giving back is just part of who she is. Outside of work, Tonya is a proud mom of two grown children and a Yorkie named Nittany who rules the house. Her weekends are often filled with baking, crafting, visiting local markets, or belting out karaoke tunes. Fun, driven, and full of heart, Tonya is the kind of loan officer you want in your corner—from pre-approval to closing day and beyond.

11/03/2026

📉 The latest Fed announcement didn't bring a major shift in mortgage rates.

On October 28, the Federal Reserve's decision had a limited market reaction, and mortgage rates moved only modestly.

It's a helpful reminder that the relationship between the Fed and mortgage rates isn't always as straightforward as it may seem.

Mortgage rates are shaped by the bond market, inflation expectations, and other economic factors. A Fed announcement is just one piece of the puzzle.

For homebuyers, understanding these market dynamics can help you make more informed decisions instead of trying to time the perfect rate.

Have questions about what today's mortgage market means for your plans? Let's connect!

11/02/2026

Alexis Hardin putting her first contract into the system!! let’s goooooo!

11/02/2026

🚨 JUST BECAUSE ONE LENDER SAID NO DOESN’T MEAN YOU CAN’T BUY A HOME! 🚨

Here’s the thing… not all lenders are created equal. 👏

Some lenders see a challenge and stop there. Others are willing to dig deeper, ask more questions, explore different loan programs, and THINK OUTSIDE THE BOX! 💡

And sometimes, that’s the difference between hearing “Sorry, we can’t help you” and finding a path toward homeownership.

🏡 Already been told NO?
🏡 Thinking about getting preapproved but worried you won’t qualify?
🏡 Still hoping to be in a home before the New Year?

Let’s talk!

I can’t promise every answer will be YES, but I CAN promise I’ll take the time to explore your options and see what’s possible.

Because sometimes you don’t need a different dream… you just need a different lender. 💗

📲 Call me! Let’s see what we can make happen before 2027!

Tonya Kern | NMLS #1021668
ONE Presidential Mortgage
🌐 TonyaTalksMortgages.com

ThinkOutsideTheBox FirstTimeHomebuyer PreApproval HomeForTheHolidays MortgageLender EqualHousingLender

11/01/2026

Don’t forget to “fall back”! 🍂
As we turn our clocks back and gain an extra hour, it’s the perfect time to get ahead on your homeownership goals. ⏰🏡

10/31/2026

Finding the right mortgage does not have to be scary! 👻🏡Let's guide you through your options and help you move closer to your homeownership goals.

Let's chat to learn more and get started today!

10/29/2026

📣 Richmond Referral Partners—SAVE THE DATE!
We're closing out 2026 with grateful hearts and looking forward to even bigger things in 2027!
But first, we want to celebrate YOU! 🥂
Join the ONE Presidential Richmond Team for our Thankful for You Partner Appreciation Event!
🍸 Drinks
🍴 Bites
🤝 Networking
🧡 A whole lot of appreciation!
📅 Thursday, November 19
⏰ 4:00–6:00 PM
📍 River City Roll | Richmond, VA
Mark your calendar and come raise a glass with us!

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

10/27/2026

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!

10/26/2026

🏡 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!

Address

3406 W Clay Street
Richmond, VA
23230

Website

http://tonyatalksmortgages.com/

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