United Van Lines 2016 Annual Movers Study Every year United Van Lines compares inbound and outbound movers in each state. So basically it is a relocation study. They are able to determine which state is the nation’s “Top Moving Destination”. ... Read More
Team Move Blog
Our team experiences so many scenarios in working with buyers, builders, realtors, and others so we have created this informative blog to help you find answers to your mortgage questions or scenarios.
It is no secret that student loans cause debt ratio issues when qualifying for a home loan. While mortgage lending hasn’t caught up with student loan debt payment options, there are great solutions available. So let’s share creative ways millennials... Read More
FHA loans are well known for helping buyers obtain a very affordable house payment. Well FHA, one of the most popular loan programs, just became even cheaper because HUD lowered FHA PMI rates for the 2nd time in 2 years. The Federal Housing Administration will... Read More
So has the lending world scared you into believing your credit score is your whole meaning in life? Obviously it isn’t, but it does play a very important role in key areas of life. Some you may surprise you. Credit scores could determine insurance rates, ... Read More
Well, 2016 is over and what a year it was! The real estate market had a great year which was supported by very low rates and an improving economy. As a mortgage lender, we try to do more than just close mortgage loans. Providing education is a cornerstone ... Read More
We would like to introduce you to Dominique Torres. Dominique’s role is to use her talents to help keep our mortgage process moving smoothly for our clients, realtors, builders, and others. Talents include communication skills, multi-tasking, organized, des... Read More
Divorce is one of the main hurdles to home ownership. It can cause credit issues, depletion of assets, and basically wreak havoc in life. So buying or refinancing a home is a challenge to say the least. So that is why we love to have the necessary conversations... Read More
The dreaded VA Appraisal! Yes, that stage of the purchase that makes realtors and sellers cringe. Really, a VA appraisal isn’t that bad when you know what the appraiser is looking for. We have actually written several helpful articles referencing appraisa... Read More
There are so many reasons NOT to be a Cash Buyer Becoming a cash buyer is not easy and usually takes dedication over time. So it usually doesn’t happen overnight. Therefore, don’t put on the blinders and only consider paying all of that hard earned i... Read More
Fannie Mae & Freddie Mac will now offer bigger home loans effective January 1, 2017! The Federal Housing Finance Agency (FHFA) has announced the new maximum loan limits for the United States. Conforming loan limits have not increased in 11 years because of t... Read More
Check Out The Latest
- Understanding a VA Alive and Well Statement for Military POA ClosingsMay 22, 2017 - 11:55 am
Service members and military Veterans have a very affordable way to buy a home with a VA loan. This is a huge advantage for military buyers and feel free to check our expansive library of VA articles backing this up! But what if the active duty or Veteran borrower is not available for closing? Well, most military families are […]
- VA Home Loan Process for Active Service MembersMay 10, 2017 - 7:33 pm
Military buyers have a huge benefit when it comes to purchasing a home. Not only do service members have a no down payment option, but VA loans may be the best mortgage available. VA loans offer up to 100% financing with no monthly mortgage insurance. Thus, this feature keeps mortgage payments low. This is especially true […]
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OVMFinancial, Inc. is licensed by the Virginia State Corporation Commission/Bureau of Financial Institutions as a mortgage lender/mortgage broker, license # 3038, NMLS ID# 86788, (www.nmlsconsumeraccess.org). We lend in the following states: Virginia, North Carolina and South Carolina.