David Macaione - Senior Loan Officer NMLS 117378

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Wilmington, NC
David Macaione - Senior Loan Officer NMLS 117378

Senior Mortgage Loan Officer NMLS 117378 with ONE Presidential Mortgage | Company NMLS 421593

Since 1985, David Macaione has been helping families turn houses into homes. After moving from Fairbanks, Alaska, to Winston-Salem, North Carolina, to begin his career in mortgage lending, David visited Wilmington on July 4, 1986. He instantly fell in love with the area and knew it was where he wanted to be. Nearly 40 years later, David continues to share his expertise, guiding clients through one of the most meaningful investments of their lives. Helping people settle into Wilmington and its beautiful beaches is one of his favorite parts of the job. David is married to Karen, and together they have a vibrant family that includes four grown children—Lauren, Chase, Allie, and Gabby—and seven grandchildren, ages 1 to 10. Their home is made even livelier by their two toy poodles, Finrod (Fin) and Bleu (Bleu Bear), who are brothers and bring constant joy. Outside of work, David enjoys everything coastal life has to offer. Whether he’s strolling along the beach at low tide, boating, swimming, or surf fishing, he finds peace and happiness by the water.

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!

10/28/2026

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!

10/16/2026

5.0 star review received on Experience.com for David Macaione by Gene I I - David's attention to detail helped make this complicated transaction seamless.

Click to see all 197 reviews of David Macaione, Mortgage Loan Officer | NMLS 117378

Address

1213 Culbreth Drive Suite 126
Wilmington, NC
28405

Website

http://onepresidentialmtg.com/david.macaione

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