Kip Painter, Area Leader NMLS 1021601

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Kip Painter, Area Leader NMLS 1021601

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Richmond Area Leader NMLS 1021601 with ONE Presidential Mortgage | Company NMLS 421593 Outside of work, Kip stays busy with his wife and three children.

Kip Painter leads ONE Presidential Mortgage’s Richmond market with a strong foundation built on two decades of experience in the mortgage industry. What drives him most is the opportunity to build meaningful relationships through every transaction, support his community, and help clients reach their homeownership goals. Kip’s approach is rooted in connection—he believes the mortgage process is not just about numbers, but about people. His passion for fostering trust and delivering results has made him a respected leader and resource in the Richmond area. Whether they’re at a track meet, enjoying a day at the beach, or spending time at church, the Painter family is always on the move. Fitness is a big part of their lives, and weekends often revolve around cross country and track competitions. Their two golden doodles, Luna and Indy, are always close behind. Whether you’re a borrower, Realtor, or fellow loan officer, Kip brings dedication, integrity, and a deep commitment to every relationship—making him a valuable asset to both his team and the Richmond community.

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!
🍸 Cocktails
🍴 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!

10/22/2026

From pre-approval to move-in day, every step brings you closer to homeownership! 🏡🔑 Visit our website to read the full blog and learn what to expect throughout the homebuying process.

https://www.onepresidentialmtg.com/post/are-you-paying-too-much-for-homeowners-insurance-strategies-to-keep-costs-in-line

What part of the homebuying process would you like to learn more about?

10/20/2026

A Bridge HELOC allows homeowners to access the equity in their current home to help bridge the gap between buying a new home and selling their existing one. The funds may be used toward expenses such as a down payment or other costs associated with purchasing your next home.

Keep in mind that Bridge HELOCs use your home as collateral and may have specific borrowing terms, interest rates, and repayment requirements.

Thinking about making a move? Let's chat about whether a Bridge HELOC may be an option for you!

10/20/2026

🏡 A down payment doesn't have to be the only thing standing between you and homeownership.

Did you know there are thousands of down payment assistance programs available across the country? Depending on where you live and your individual circumstances, you may qualify for assistance that could help make buying a home more attainable.

At ONE Presidential Mortgage, we know every buyer's situation is different. That's why we work with you to explore available down payment assistance programs and help identify options that may fit your needs.

💬 Thinking about buying a home but unsure how you'll cover the upfront costs? Let's talk about what's possible!

10/15/2026

Same $10,000, different impact! 🏡💰

When negotiating your home purchase, would you rather have a $10,000 price reduction or put $10,000 toward a rate buydown?

A price reduction lowers your purchase price, while a rate buydown could offer greater monthly savings depending on your loan terms.

Before you negotiate, compare the numbers to see which option works best for you!

10/09/2026

🚨 BIG APPRAISAL UPDATE COMING THIS FALL

Beginning November 2, 2026, new appraisal reports submitted to Fannie Mae and Freddie Mac will use UAD 3.6.

The new format moves away from traditional appraisal forms toward a single, dynamic report with more detailed property data.

For homeowners and REALTORS®, one takeaway stands out:

Details matter. 🏡

Updates to kitchens, bathrooms, flooring, systems and other features should be documented clearly so the property’s story is easier to understand.

The appraisal process is evolving. Now is the time to get familiar with what’s changing.

Address

3406 W Clay Street
Richmond, VA
23230

Telephone

+18043473250

Website

http://kpainterloans.com/

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