Home Purchase
Buying your first place? Upgrading to more space? We'll walk you through every step — from "what can I afford?" to "here are your keys." No surprises, just clarity.
Get StartedPresidential Bank Mortgage - Altamonte Springs
Beyond A Bank.Mortgages Without the Headache.
Our team helps Central Florida buyers and homeowners navigate mortgage options with clarity, speed, and — believe it or not — a sense of humor. Purchase, refinance, FHA, VA, jumbo — we find the right path and make it painless.
NMLS# 2256566 | NMLS# 325832 | Company NMLS# 421593 | Equal Housing Lender
Direct Lender
How Can We Help You?
No two borrowers are alike — and we like it that way. Whether you're buying your first place, refinancing to save money, or just trying to figure out what's possible, we've got you.
Refinance
Paying too much? Stuck in a rate you locked during a panic? Let's look at the numbers and see if we can save you some real money. Sometimes the answer surprises people.
Get StartedDebt Consolidation
Credit cards eating you alive? We can often roll that high-interest debt into your mortgage at a fraction of the rate. Let's do the math together — it might change your month.
Get StartedCurrent Rate Ranges
Today's Mortgage Rates
Rates change daily based on market conditions. These ranges give you a general idea of where things stand — your actual rate depends on credit, down payment, loan type, and other factors.
Last updated: May 2026
Get My Personalized Rate30-Year Fixed
6.25% – 7.00%
Popular15-Year Fixed
5.50% – 6.25%
FHA 30-Year
5.75% – 6.50%
PopularVA 30-Year
5.50% – 6.25%
Jumbo 30-Year
6.50% – 7.25%
🏠☕😄
Mortgages Don't Have to Be Stressful
Look, we get it — the mortgage process has a reputation for being about as fun as a root canal. But it doesn't have to be that way. The team has been doing this long enough to know that clear communication, a few laughs, and zero surprises make all the difference.
We explain things over coffee, not contracts
We actually answer our phones
No surprises at closing
Your Loan Officers
Meet the Team
Jay, Brad, and Brad — three guys who genuinely love helping people get into homes. Yes, we know that sounds cheesy. But 113 five-star reviews don't lie. We're responsive, we're honest, and we'll probably make you laugh at least once during the process.
Jay Heckendorn-Telenda
Partner / Mortgage Loan Officer
Jay co-leads the Altamonte Springs branch and personally helps Central Florida buyers and homeowners figure out their best move. His approach? Listen first, explain clearly, never pressure. Whether you're buying your first condo or refinancing your forever home, Jay makes the process feel like a conversation — not an interrogation.
NMLS# 2256566Presidential Bank Mortgage NMLS# 421593
Brad Siebert
Partner / Mortgage Loan Officer
Brad co-leads the Altamonte Springs branch and is the guy other lenders call when they can't figure out a deal. Jumbo loans, VA financing, credit challenges, complicated self-employment income — he's seen it all and closed most of it. His clients say he works nights and weekends, answers every call, and somehow makes the impossible happen. They're not wrong.
NMLS# 325832Presidential Bank Mortgage NMLS# 421593
Brad Pratt
Mortgage Loan Officer
Brad Pratt brings deep expertise and a client-first mentality to the We Are Beyond A Bank team. He's focused on making sure every borrower gets clear guidance, responsive communication, and a smooth path to closing.
NMLS# 12121212Presidential Bank Mortgage NMLS# 421593
Client Reviews
Don't Take Our Word For It
4.7from 113 real humans on Google
“Brad was a huge help with our HELOC. He listened to our specific needs, and provided solutions that were best suited to our needs. I trust his expertise and plan to refer them to friends and family.”
Patrick H.
Florida
“I can't say enough great things about Brad Siebert and his team! They are patient, responsive, and genuinely care about getting me the best outcome. Whether you are looking to buy your home or a commercial building, they are it!”
Mia V.
Florida
“Brad was tremendous help getting us through this process quickly — 6 weeks from start to finish — while we were 1,100 miles away. Never saw the house in person before closing. He was with us all the way.”
Michael C.
Florida
“There aren't enough great words to describe Brad and how hard he worked for my husband and I. He worked nights, weekends, went above and beyond to make it happen. Put your eggs in his basket — you'll be the winner!”
Tina C.
Florida
“Brad is a genuine and honest person who worked so hard to help us get approved for our home. What started as a conventional loan turned into a complex situation, but Brad worked diligently to ensure our success.”
Jessica L.
Florida
“I've been in the mortgage business for 20 years. Brad Siebert is one of the most capable brokers I've worked with in that time. If you're looking for a loan, go see Brad.”
Jeremy D.
Florida
AI Mortgage Assistant
Got a Quick Question? Ask Away.
Our AI assistant knows mortgages inside and out. Ask about loan types, down payments, credit scores, the buying process — whatever's on your mind. It's like texting a friend who happens to be a mortgage nerd.
The AI assistant provides general mortgage education only. It does not make lending decisions, issue pre-approvals, guarantee rates, or provide financial advice. All lending decisions are made by licensed loan officers.
Mortgage Assistant
General education only — not lending advice
Hey there! 👋 I'm the Beyond A Bank mortgage assistant. Whether you're buying, refinancing, or just curious about your options — ask me anything. What's on your mind?
Ready When You Are 🤝
Whether you're ready to apply today or just want to ask a "dumb question" (spoiler: there are no dumb questions in mortgages), we're here. No pressure, no judgment, just straight answers.
Common Questions
The Stuff Everyone Asks
(And we never get tired of answering)
Who are Jay, Brad, and Brad?
Jay Heckendorn-Telenda (NMLS# 2256566), Brad Siebert (NMLS# 325832), and Brad Pratt (NMLS# 12121212) are licensed mortgage loan officers with Presidential Bank Mortgage (NMLS# 421593) in Altamonte Springs, FL. Jay and Brad Siebert are partners who co-lead the branch. They're real people who answer their phones, crack jokes, and genuinely enjoy helping Central Florida families get into homes.
What types of loans do you offer?
Pretty much everything — conventional, FHA, VA, USDA, jumbo, refinance, new construction, reverse mortgages, debt consolidation, portfolio loans, and solutions for folks with credit challenges. If there's a program that fits your situation, we'll find it.
How do I get started?
Fill out the form on this page, call us at (407) 353-3750, or use our Purchase Assistant quiz. We'll review your situation, explain your options in plain English, and tell you the next step. No obligation, no pressure — just clarity.
What areas do you serve?
All of Central Florida — Altamonte Springs, Orlando, Winter Park, Lake Mary, Sanford, Oviedo, Maitland, Longwood, Apopka, Casselberry, Winter Springs, Windermere, and everywhere in between. If you can see a palm tree from your window, we can probably help.
Is this site connected to Presidential Bank Mortgage?
Yes! Wearebeyondabank.com is staffed by mortgage professionals employed by Presidential Bank Mortgage, Company NMLS 421593. All loans are subject to credit approval. We're the real deal — just with a cooler website.
Service Area
Proudly Serving Central Florida
Based in Altamonte Springs at 283 Cranes Roost Blvd. We know these neighborhoods because we live here too.
Altamonte SpringsOrlandoWinter ParkLake MarySanfordOviedoMaitlandLongwoodApopkaCasselberryWinter SpringsWindermere
Map data © OpenStreetMap contributors. Primary focus: Altamonte Springs, Orlando, and Central Florida.