Denise Russo - Area Manager NMLS 644402

10/13/2026

Good soup. Good company. A wonderful cause. 🍲🧡

Join us at One Presidential Mortgage for the 34th Annual Samaritan Center Soup Bowl! Grab lunch to go or enjoy a bowl here while supporting the Samaritan Center and the families it serves.

📅 Thursday, November 5
🕦 11:30 AM–1:30 PM
📍 2907 Ocean Drive, Vero Beach
🥣 $5 per bowl or $15 per quart
🎨 Beautiful pottery bowls available for purchase!

A big thank-you to Cobalt, Nino’s Cafe, Citrus and Atmosphere for donating the soups that make this event possible!

Bring a friend, stop by for lunch and help us make a difference, one bowl at a time. 🧡

10/13/2026

5.0 star review received on Experience.com for Denise Russo by Michele R - Denise is a pleasure to deal with, knows her industry extremely well. I know my clients are in good hands when they are working with her.

10/09/2026

5.0 star review received on Experience.com for Denise Russo by Susan M - Denise and her assistant Kristi are wonderful to work with. They make the home buying experience easy with their guidance. Always available to answer our questions along the way. We would highly recommend them!

Click to see all 391 reviews of Denise Russo, Area Manager | NMLS 644402

10/09/2026

A higher interest rate doesn’t always mean you have to lower your home-buying budget!
When rates change, your purchasing power can change too. But that doesn’t necessarily mean you have to walk away from the home you love.

In this example, a buyer qualified for a $400,000 loan at 6.875%. If rates were to increase to 7.875%, their purchasing power would drop by nearly $38,000.

So what are the options?

That’s where having an experienced lender who knows how to structure a loan can make all the difference!

Sometimes it’s not about finding a different house. It’s about finding a different solution.

Realtors and buyers: Before assuming a home is out of reach, let’s run the numbers and explore the options together.

📲 Reach out to see what might work for your situation!

Loan scenarios are for illustration only. Financing options, eligibility, costs, and payments vary.

10/08/2026

When a Realtor refers a buyer to me, I know they’re trusting me with more than just a mortgage application.

They’re trusting me with a relationship they’ve worked hard to build. And that’s something I never take lightly.

After more than 30 years in mortgage lending, I’ve learned that communication, preparation, and teamwork can make all the difference.

Not every transaction goes exactly as planned. Sometimes challenges come up, whether it’s an appraisal issue, a change in circumstances, or something completely unexpected.

My job is to help find solutions, keep everyone informed, and work alongside you to get your clients to the closing table.

To the Realtors I’ve had the pleasure of working with over the years, thank you for trusting me with your clients. And to those I haven’t met yet, I’d love the opportunity to work together!

10/06/2026

Bella and Bo are waiting for rates to drop. 🐾

But in their defense… they’re dogs. They don’t know any better.

The truth is, waiting for the “perfect” rate isn’t always the best strategy. There’s a lot more that goes into whether now is the right time to buy, including the home price, your monthly payment, available credits, loan options, and how we structure everything together.

Instead of watching rates from the window like these two, let’s run the numbers and see what actually makes sense for you.

And if waiting really IS the better move? I’ll tell you that too.

Bella and Bo, however, will continue to monitor the situation. 👀🐾

10/05/2026

5.0 star review received on Experience.com for Denise Russo by Kit F - As always... extremely professional and went above and beyond to service my Buyers.

Click to see all 390 reviews of Denise Russo, Area Manager | NMLS 644402

10/02/2026

$8,000 sounds good, BUT how you use it matters just as much as getting it?

A seller concession can potentially be structured in different ways depending on the loan, the transaction, and most importantly, what the buyer is trying to accomplish.

Lower cash to close?
Lower monthly payment?
A different way to structure the numbers?

There isn’t always one “best” answer.

Over the next few weeks, we’re going to break down some specific examples and show you how the same $8,000 can look very different depending on how the loan is structured.

Follow along as we run the numbers and show you why the details matter.

Sometimes it’s not about negotiating more. It’s about making what you negotiated work harder for you.

*Options and allowable seller concessions vary by loan program and individual transaction.

09/29/2026

Worried about rates? Let’s look at the whole picture.

The interest rate matters, but it’s not the only thing that determines whether a home fits your budget. Your down payment, mortgage insurance, closing costs, and possible seller credits can all affect your options.

I’m putting real numbers behind those choices so you can see what changes and what doesn’t.

Before you decide a home won’t work for your budget, let’s run the numbers together.