Tonya Kern, Mortgage Loan Officer/Sales Leader NMLS 1021668

09/09/2026

👮‍♂️👩‍🚒👩‍🏫 New York police officers, firefighters and teachers—put this one on your radar!

We’re preparing to add SONYMA (State of New York Mortgage Agency) to our mortgage offerings for eligible New York buyers.

The program may offer:

🏡 Down payments as low as 3%
💰 Down payment assistance options
📉 Competitive fixed interest rates
🔒 Extended rate locks
📋 Flexible qualifying guidelines

For eligible first-time homebuyers, SONYMA offers programs designed to make homeownership more attainable—including Achieving the Dream, which offers SONYMA’s lowest available interest rates.

If you’re ready to explore your homebuying options, let’s talk.

09/08/2026

Purchase applications rose 2% last week, and more buyers are exploring adjustable-rate options. The fixed year loan is the default, not the only answer. If you're not planning to stay 30 years, it's worth asking whether a different structure fits better. Want to compare?

09/07/2026

Happy Labor Day! Today, we recognize the hard work and dedication that help make homeownership possible. We hope you enjoy a well-deserved day of rest, relaxation, and time spent at home with those who matter most. 🏡

09/04/2026

Could not ask for a better company to work for during this difficult time. The support that ONE-Presidential Mortgage has shown me has been instrumental in my ability to continue to show up everyday for my clients and referral partners. We are ONE. ONE Family, ONE Community, ONE Team. I am so blessed.

09/01/2026

🏡 Who’s buying homes right now? More young buyers than you might think.

Gen Z and Millennials are becoming an increasingly important part of the purchase market, and they’re approaching homeownership differently than generations before them.

The latest data shows younger buyers are:
📈 Taking a larger share of purchase activity
💰 Using a mix of savings and other resources for down payments
🏦 Utilizing programs like FHA
📋 Looking closely at financing strategies to make the numbers work

Meanwhile, the broader market is showing more inventory and additional negotiating opportunities, creating a different environment for buyers and sellers.

So what does it all mean? Financing strategy matters.

Take a look at this month’s infographic for the numbers behind the trends.

08/31/2026

👀 Buyers: It may be time to look a little closer at homes that have been sitting.

More inventory and slower buyer activity are creating opportunities in parts of the market. In fact, active listings recently climbed to more than 1.5 million, while pending sales fell to their lowest level since February.

That home you passed on a few weeks ago? It might be worth another look.

Depending on the seller and property, you may have room to negotiate for:

💰 A lower purchase price
🏡 Seller-paid closing costs
📉 A mortgage rate buydown
🔨 Repairs or other concessions

More inventory doesn't automatically mean lower prices—but it can mean more choices and more negotiating power.

08/31/2026

5.0 star review received on Experience.com for Tonya Kern by Shawn S - Mrs.Tonya went far and beyond expectaction on getting my loan done along with her assistant Kimberly Im still overwhelmed with the joy and excitement with my purchas. I thank Tonya and her team are 5 star loan officers 🙌🏾👏🏾❤️

Click to see all 109 reviews of Tonya Kern, Sales Leader | NMLS 1021668

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!