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About
US
At ONE Presidential Mortgage, we are more than just a lender. We are backed by Presidential Bank, a Federally Chartered Bank, with a local presence and have been a leader in the Mid-Atlantic Region for over 38 years. We lend in all 50 states (no state licensing required), while still maintaining local ties to the community and real estate professionals in our area.
LONGEVITY
Loan Officers & Managers
have been with us 10, 15, 20,
and even 25 years!
In-house processing,
underwriting, and closing
teammates have been with us
for 10, 20, and 30 years!
BANK BACKED
Privately held bank committed
to mortgage business for over
38 years.
Originated over $5 billion in
the last four years through
2023
MANAGEMENT
Branch-specific appraiser
panels.
No multi-layer management,
go directly to senior leadership
for on-the-spot decision
making.
Why
CHOOSE US
We channel our resources to promoting and building YOUR BUSINESS AND BRAND! Clients and agents choose
YOU, not the company. That's why we provide you with the tools you need for long-term success.
Products & Programs
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FNMA, FHLMC, FHA, VA, USDA & State Bond
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Portfolio ARM Products
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1X Close Construction
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FHLBank Atlanta Grants & Presidential Bank Grants
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HomeReady® | HomePossible®
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High Balance & Jumbo
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Bank Statement Program
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In-House HELOC & Bridge HELOC
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Maryland Mortgage Program
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DC Opens Doors
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PA Finance Housing Agency Programs
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North Carolina Housing Program
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Florida Housing Program
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New Home Advantage - up to $5k closing cost assistance
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Community Lending Program - up to 2 points toward rate reduction or closing costs
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RAPID Program - portfolio product with reduced asset, property & income documentation
Rate Protection
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Overnight, weekends & holidays
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Agency Lock and Shop program, up to 110 days, no upfront fees
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Long-term locks up to 350 days
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Rate Drop Program offers exclusive savings when refinancing to a lower rate
Buyer's Edge Pre-Approval
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Upfront credit approval
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Reduced closing time
In-House One-Time Close Construction Loans
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Construction-to-Permanent
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Renovation
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Lot Loans
Competitive Benefits
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Company Funded Pension
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401(k) with 4% Corporate Match
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Medical, Dental and Vision Care Programs
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Flexible Spending Account (FSA)
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Life & AD&D Insurance
Simple Workflows & Seamless Processing
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Encompass LOS
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Encompass Web Access
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All vendor systems integrated into LOS
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Hands-On Training/Designated Loan Support Team
Dedicated In-House Marketing Team
We do all the heavy lifting to give
you a robust social media presence
and amazing done-for you
automated marketing systems.