Mortgage Lending Communication “I just wanted to take a minute and thank you for pushing this purchase through for us. I know we are not your only customer but you sure make it feel this way. To the rest of the team, thank you for all your patience, I know ... Read More
Check out this success story and it is a little known advantage for licensed Real Estate Agents. Actually a Realtor commission may be used as down payment for the purchase of their own home. Although normally lenders are required to prove down payment in t... Read More
Check out this success story for this VA purchase! High debt ratio and under 640 scores closed quick First Time VA Loan Buyer Options Under 640 score, over 55% debt ratio, VA home loan purchase that needs to close in 33 days? No way? Yes, Way!! So often th... Read More
USDA guidelines allow for limited credit Limited Credit & No Money Down Mortgages Do you have limited, but good credit and want to buy a home with little to no money down? Our USDA guaranteed loan guidelines will allow for us to add nontraditional credit to a thi... Read More
VA home loans work so well for military and veteran buyers. They offer a no money down purchase loan. But sometimes things happen outside of the service member’s control. Too often VA buyers have purchased a home that depreciated in value so that the home... Read More
OVM Financial is one of INC 5000 top growing companies in the US. OVM Financial is thrilled and honored to announce we have been named one of INC 5000 Magazine’s Top 5000 Fastest-Growing Private U.S. Companies in 2015 & 2016! Since our company’s initial star... Read More
A recent VA purchase closing had 2 characteristics of a VA loan that most do not know. First is using a VA bonus entitlement. This allows a qualifying veteran to have 2 VA loans at once. It is also called 2nd Tier Entitlement, which gives the veteran the abi... Read More
Do you have a required repair on a USDA loan We see this issue too much where the appraiser is requiring repairs to be completed on the home in order to meet USDA guidelines. If the seller is HUD, Fannie Mae, or a bank, often they will not allow the repairs to be c... Read More
Low Credit Scores Can Get Approved Today there are many prospective homeowners with low credit scores, higher debt to income ratios, or limited credit experience. This can make it difficult to obtain a mortgage loan to purchase a home. Potential homebuyers do ne... Read More
All types of mortgage loans Just in our office we see so many different mortgage scenarios and we have always taken pride in knowing a large array of mortgage products. We don’t just take the cookie cutter loans. We tackle the difficult situations for the g... Read More
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- How to Sell Your House With Top 12 Creative IdeasNovember 14, 2017 - 8:26 pm
Recently a Realtor asked for some creative negotiating items a seller may offer to a buyer. Basically, what can the seller do to sweeten the deal so the buyer is more willing and/or able to go under contract. This Realtor, like many, realize that a purchase contract is about more than just the price. Sometimes these […]
- 8 Reasons Now is the Time to Buy a HouseNovember 13, 2017 - 6:39 pm
Are you currently renting? Is your lease coming up for renewal? Before you extend your lease for another year or two, why not consider exploring the possibility of buying instead of continuing to pay someone else’s mortgage? First of all, we are not going to say everyone should buy a house. Not everyone wants to. But there are […]
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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.