We Make the Loan Process Simple

We have built a solid reputation of being able to close mortgage loans in an efficient and timely manner.
Our unique process makes your closing experience with us a great one, a great one — from application to move in.


Consultation & Submit Online Application1

Consultation & Submit Online Application

Verify credit. Receive Pre-Approval Letter & Signed Contract.
Gather & Provide Needed Documents2

Gather & Provide Needed Documents

Processing orders appraisal and needed documents for verification.
Submit Loan for Underwriting Approval3

Submit Loan for Underwriting Approval

Docs will be sent to the closing / title attorney.
Loan Closing <br/> Move In!4

Loan Closing
Move In!

Final HUD is prepared. Docs are signed. Deed is recorded.

Find a Licensed Loan Officer

We only hire licensed Loan Officers with a proven track record of excellent customer service!
Find an MLO (Mortgage Loan Originator) or Loan Officer by searching below.

  • JohnTeeuwen
    Date
    July 1, 2014
    John Teeuwen has nearly ten years of mortgage experience, coupled with over 20 years of business experience working at an executive level for several multi-national companies. This experience has allowed him to recognize financing options that make sense for his […]
  • GeorgeTemple
    Date
    April 7, 2014
    A lifelong Virginia Beach resident, George has been a leader in mortgage banking production for the last ten years. Believing in long lasting business relationships with both customers and partner sources, he has always been in the top two percent […]
  • sweeney
    Date
    July 6, 2016
    Team Move Mortgage at OVM Financial is excited about team member, Jon Sweeney.  Jon is a native of Lumberton, North Carolina.  His desire is to assist residents and vacationers to find and finance their dream home.  While able to lend throughout […]
  • KaylanEldridge
    Date
    September 14, 2015
    As a Licensed Mortgage Loan Officer in the Hampton Roads area, Kaylan Eldridge is ready to help her clients take one of the most important steps in their life! With over three years of valuable experience both as a Loan […]
  • chet-mann
    Date
    July 2, 2014
    Chet Mann entered the Mortgage Lending industry in 2009 after a successful career in Industrial gases and Industrial supply sales and distribution. He quickly built a team and landed in the top tier of mortgage loan production for his company. […]
  • bg-removed
    Date
    November 2, 2016
    Originally from Texas and just fresh a little over a year here to Virginia, I have over 12 years of experience in the mortgage industry dealing mostly with servicing i.e. loss mitigation and bankruptcy. I graduated with a bachelors in […]
  • JimArcher
    Date
    April 7, 2014
    You don’t have to be an archer to hit a bull’s eye with your buyers…you just have to know one! Born and raised in Portsmouth, VA, Jim has made his home in Chesapeake for over 35 years. Beginning his banking […]
  • RonnieCollins
    Date
    December 18, 2014
    OVM Financial, Inc. originates residential loans in Virginia, North Carolina, and South Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • mel-g
    Date
    July 6, 2016
    Mel Gerard uses her experience and knowledge to find the solution that’s right for our clients. Whether you are purchasing or refinancing a home, call Mel for the best loan options in NC. OVM Financial, Inc. originates residential loans in Virginia,North […]
  • Troy Kight
    Date
    October 7, 2015
    Your dream of home ownership awaits you in Hampton Roads and Troy Kight is here to help you move in with ease! As a leading Mortgage Loan Officer in the Virginia Beach area, Troy is an expert when it comes […]
  • KimEvers2
    Date
    January 20, 2015
    When considering real estate or financing, having someone on your side who is both knowledgeable of the local area and an expert in their industry is vital to making the best decisions for your future. With over 15 years in […]
  • MaryleeDixon
    Date
    June 23, 2014
    Marylee is a Virginia Tech graduate who entered the mortgage banking industry in 2005 at a major international bank.  She was recognized as a top performer and was quickly promoted to Branch Manager.  Before joining OVM Financial, Marylee learned a […]
  • AudleyLewis
    Date
    April 7, 2014
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • chet-meach
    Date
    November 28, 2016
    Chet Meachum originates residential loans in Virginia. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • eugene
    Date
    June 30, 2014
    Eugene is a native to the Hampton Roads area and currently resides in Chesapeake. He is a proud graduate from Old Dominion University with a major in Economics and a minor in Business Analytics. With a strong background in finance, […]
  • silhouette_woman_500x500
    Date
    July 29, 2015
    Mary has 15 years of mortgage lending and commercial finance experience.  She studied Business Finance at Old Dominion University and is a lifelong resident of the Hampton Roads area.  She is a member of the Seaton Youth Shelters “Powered By […]
  • ScottBrown
    Date
    July 29, 2015
    OVM Financial, Inc. originates residential loans in Virginia, North Carolina, and South Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • michele-s
    Date
    July 2, 2014
    Michele brings 16 years plus experience with her in the Mortgage Industry plus a stint in the legal world working in a law firm. Making her home in Fayetteville, Michele has a degree from Fayetteville State University. She has worked […]
  • RobertTemple
    Date
    April 4, 2014
    As a graduate of East Carolina University (GO PIRATES!), I entered the mortgage industry nine years ago. After looking into several other companies, I chose to join OVM Financial, Inc. because, like OVM, I’m “focused on you” – the client – […]
  • aggie
    Date
    April 22, 2016
    OVM Financial, Inc. originates residential loans in Virginia,  North Carolina, South Carolina, and Georgia. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more […]
  • Edward Deanes
    Date
    September 21, 2015
    Edward joins our team with nearly 12 years experience as a Loan Officer. He welcomes the opportunity to serve his Client’s needs with quick responsiveness and accurate Real Estate Financing advice.  In addition, Edward is a Certified Mortgage Planner.  This […]
  • MattBeckwith
    Date
    April 1, 2014
    As a Mortgage Executive and Mortgage Banker with over 12 years of experience, I have seen all the changes in the Real Estate Market. I recognize the unique challenges real estate professionals face today and turn those challenges into opportunities […]
  • marcela
    Date
    March 30, 2015
    When it comes to your home loan needs in the Fayetteville area, Marcela Melo has got you covered! Her number one focus is always providing outstanding customer service to her clients. When asked why she became a Loan Officer, Marcela […]
  • AaronLegum
    Date
    April 1, 2014
    Aaron has been a lifelong resident of Hampton Roads and is also a graduate of Hampden-Sydney College. He entered the mortgage banking industry in 1999. Aaron’s specialty is residential lending with extensive experience dealing with Conventional, FHA, VA, and first […]
  • Sean Pepe
    Date
    April 4, 2014
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • KimMarkham
    Date
    June 19, 2015
    Kimberly Markham is from a military family and grew up traveling the world.  Hampton Roads became home when her father retired from the military and her family settled down in the area.  She attended Old Dominion University in Norfolk, VA […]
  • MariaToney1
    Date
    April 4, 2014
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • FrankFederinko
    Date
    April 7, 2014
    Frank was born and raised in Western Pennsylvania and is a graduate of Slippery Rock University. He was brought to Virginia during his service in the United States Army. In addition to being an Army Veteran, Frank has worked as […]
  • MikeCobb
    Date
    April 4, 2014
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • vanessa-borst
    Date
    July 6, 2016
    When choosing Vanessa L. Borst as your licensed Loan Officer, you are putting over 23 years of mortgage experience to work for you and your family. With unparalleled dedication to customer service and the awards to prove it, Vanessa takes […]
  • j-benton
    Date
    July 1, 2016
    Experience:  Josh Benton has worked in the banking industry for 8+years.  He then transitioned into the mortgage world as a loan officer with Team Move at OVM financial.  Josh is well versed in the banking process and is experienced in working with clients […]
  • WilYanaga
    Date
    May 9, 2014
    Wil grew up in the Rocky Mountains of Wyoming, but always dreamed about moving to Virginia. He made his way to the east coast after joining the United States Navy straight out of high school. He bravely served our country […]
  • TommyWillcox
    Date
    August 4, 2015
    If you’re searching for an expert Loan Officer in the Charleston area, look no further! Tommy Willcox has the Mortgage know-how to get your home finance or refinance on track! As an experienced Licensed Mortgage Loan Officer with OVM Financial, […]
  • micheal-mapes
    Date
    November 11, 2016
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • dglas
    Date
    July 19, 2016
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • CynthiaLewis
    Date
    April 7, 2014
    Cynthia has been in the financial services industry for over 10 years. She is a born and raised native of Virginia Beach and a graduate of Hampton University with a B.A. in Psychology and a minor in Business Administration. Over the […]
  • bt-for-web
    Date
    April 7, 2014
    A proud graduate of Virginia Wesleyan University, I’ve been fortunate to be in the mortgage business for nearly ten years. Whether helping first time homebuyers realize their dream, or assisting seasoned homeowners down size to pursue the pleasure of their […]
  • ChipSimkins
    Date
    May 9, 2014
    A graduate of Radford University, with over 22 years in the mortgage industry, Chip Simkins has built a positive business reputation by putting clients into mortgage programs that are beneficial now and in the future. After leading Old Virginia Mortgage […]
  • paul-tonn
    Date
    July 8, 2016
    Paul Tonn is a seasoned mortgage professional at OVM Financial, Inc.  He has been in the mortgage industry for over seventeen years with the majority of his experience being in mortgage originations.  His mortgage career started in South Florida where […]
  • steve-holland-500x500-01
    Date
    April 4, 2014
    Steve is a lifelong resident of the Virginia Beach area and a graduate of James Madison University. He has been involved in the financial industry for more than a decade. During his career he has worked with some of the […]
  • BobMoyer
    Date
    May 5, 2015
    Our mortgage team focuses in making your mortgage experience a great one through an expert, efficient, and unique process.  I have been a loan officer and/or company owner for 14 years and have worked with our mortgage team for years […]
  • Rette Causey
    Date
    June 29, 2016
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • SylviaNance
    Date
    April 24, 2015
    Sylvia has been a resident of Columbus County, NC, all her life. She graduated from West Columbus High  School, as well as received a B.S. degree in Business Management Administration and Organizational Development from Mount Olive University.  Sylvia has over […]
  • jackie-s
    Date
    November 14, 2016
    Jackie Sgro is a Boston native and Wilmington transplant with 30+ years of experience within the finance industry. As a Mortgage Loan Originator for our Wilmington office, Jackie’s main goal is to help guide her clients through the home buying […]
  • travis-n
    Date
    June 28, 2016
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • bill-l
    Date
    June 28, 2016
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • BryanMiles
    Date
    April 7, 2014
    As a lifelong resident of Hampton Roads and having worked in the mortgage industry for over 16 years, Bryan Miles’ clients rely on his valuable knowledge, experience, and exceptional service. Bryan has an understanding of the lending industry, its trends, […]
  • IvyPerez
    Date
    September 16, 2014
    OVM Financial, Inc. originates residential loans in Virginia, North Carolina, and South Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!
  • JennaCameron
    Date
    May 9, 2014
    OVM Financial, Inc. originates residential loans in Virginia and North Carolina. OVM Financial, Inc. offers programs primarily designed for home purchase and home mortgage refinancing with competitive fixed and adjustable rate mortgages. Call me today for more information!

We Can Help You Choose the Best Loan Program to Fit Your Needs


I'm 62 or over and don't want a mortgage payment.
Reverse Mortgage Loans
I want to make sure my rate stays the same.
Fixed Rate Loan
I need a loan amount above $417,000.
Jumbo Loans
I want the lowest interest rate available.
Adjustable Rate Loans
I want to purchase my first home.
State Bond Program
I'm looking for a house in a rural area.
USDA Loans
I am a Military Veteran or am actively serving.
VA Loans
I don't have a lot of money for a down payment.
FHA Loans
I want to buy a house that needs some repairs.
Renovation Loans
Reverse Mortgage Loans

Reverse Mortgage Loan Summary:

If you are house rich but cash deprived, a reverse mortgage may be the answer. The Home Equity Conversion Mortgage (HECM) loan offered by OVM Financial is for homeowners 62 or older and can help borrowers be more financially secure and maintain quality of life through retirement.

HECM uses the value of your home’s equity to provide monthly or lump sum money while allowing the homeowner to stay in the home without making mortgage payments. The loan eliminates the existing mortgage and proceeds are tax-free.

How It Works:

Homeowners older than 62 can tap into accumulated home equity to eliminate current mortgage payments and release cash flow.

Who It's For:

  • Homeowners at least 62 or older with built-up home equity.
  • Senior homeowners in need of cash flow to cover other expenses.
  • Senior homeowners who want to eliminate mortgage payments.
  • Borrowers who want to have improved quality of life.

More info on Reverse Mortgage Loans >>

Fixed Rate Loan

Fixed Rate Loan Summary:

OVM Financial conventional loans come in a variety of options and with excellent advantages for borrowers who have a strong down payment. Under a conventional loan, a borrower with a 20% down payment or 20% equity can eliminate mortgage insurance.

While FHA and other government loans can have certain property restrictions, a conventional loan can be used on nearly all property types. If you can’t afford the 20% down payment, you can still get a conventional loan with as little as a 3% down payment.

How It Works:

OVM Financial offers a variety of home loans with fewer restrictions than government loans and the possibility of eliminating mortgage insurance.

Who It's For:

  • Homebuyers who don’t want to add mortgage insurance to their payments.
  • Homebuyers with a 20% down payment.
  • Homebuyers shopping for properties commonly restricted by government loans.
  • Refinancers who want to drop mortgage insurance.

More info on Fixed Rate Loans >>

Jumbo Loans

Jumbo Loans Summary:

If you're in the market for a home that requires a loan exceeding the standard limit of $417,000, don't despair. Thanks to our investor relationships, OVM Financial has the backing to offer jumbo loan programs for borrowers who want an amount above $417,000 with in-house underwriting.

OVM Financial jumbo loans offer up to 90% loan to value (LTV) with no mortgage insurance. Asset depletion income is allowed and loans can be fixed-rate or adjustable rate.

How It Works:

OVM Financial offers a variety of jumbo loans above $417,000 with low down payment, lower than average interest rates and a minimum credit score of 650.

Who It's For:

  • Borrowers in the market for a home loan above $417,000.
  • High income borrowers with at least 650 credit.
  • Borrowers who want a high loan amount with waived mortgage insurance.
  • Borrowers with a 10% down payment.

More Info on Jumbo Loans >>

Adjustable Rate Loans

Adjustable Rate Loans Summary:

OVM Financial offers sophisticated mortgages to borrowers who may not expect to be in the home for a long period of time. The adjustable rate mortgage is fixed for a period of time and can adjust thereafter. Since the interest rate may rise over time, it is not recommended for every borrower. Interest rates can be fixed for three, five, seven and ten years. Your OVM Financial Loan Officer will be happy to assist you in determining which mortgage program will best fit your needs.

More info on Adjustable Rate Mortgages >>

State Bond Program

State Bond Program Summary:

OVM Financial is a proud supporter of the state mortgage programs that assist first time homebuyers with possible down payment and closing cost assistance.

  • Up to 100% financing available.
  • First time homebuyer restrictions do apply.
  • State specific program. See your OVM Financial Loan Officer for details.

More info on State Bond Programs >>

USDA Loans

USDA Loans Summary:

OVM Financial assists borrowers in rural areas with the USDA guaranteed loan. The USDA loan provides low and moderate income borrowers with better affordable housing finance options with little or no down payment or out of pocket costs. The property must be located within a designated USDA area.

  • 100% financing available to qualified borrowers.
  • Seller can contribute up to 6% of the borrower's closing costs.
  • Flexible mortgage guidelines.
  • Income and property restrictions do apply.

More info on USDA Loans >>

VA Loans

VA Loans Summary:

Veterans Affairs (VA) loans are making the dream of homeownership a reality for millions of veterans and military personnel. VA loans guarantee a maximum of 25% of a home loan amount up to $104,250 for qualifying borrowers.

One of the primary benefits of a VA loan is that it offers 100% financing for purchases and refinances without requiring mortgage insurance. Funding gifts are allowed and the seller can pay off veteran debt if necessary to qualify for the loan.

How It Works:

VA loans are equal opportunity loans for all qualified veterans and military personnel who meet service requirements.

Who It's For:

  • Veterans and Military Personnel.
  • Qualifying borrowers who want 100% financing.
  • Qualifying homeowners who want to refinance for 100% financing.
  • Veterans who want a loan without mortgage insurance.

More info on VA Home Loans >>

FHA Loans

FHA Loans Summary:

OVM Financial offers the Federal Housing Administration Loan (FHA) to assist borrowers who may need a low down payment and flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance or become homeowners.

  • 3.5% down payment required - Can be a gift; see your OVM financial Loan Officer for details.
  • Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal.
  • Seller can contribute up to 6% of the borrower's closing costs.

More info on FHA Loans >>

Renovation Loans

Renovation Loans Summary:

Turn a place with potential into the home of your dreams with a renovation loan. We offer several products for minor or major upgrades on a home. Our renovation programs make it convenient for you to improve a property by including the extra financing in a purchase or refinance loan.

FHA 203(k) Standard or Limited Renovation Loans:

The FHA 203(k) Standard gives buyers with limited disposable cash the ability to afford both a home purchase and the repairs needed. Additional benefits are a low down payment and option for the seller to pay part of the closing costs. The FHA 203(k) Limited is one loan offering a maximum of $35,000 toward minor updates.

Fannie Mae HomeStyle® Renovation Loans:

HomeStyle® prevents borrowers of a purchase or refinance from having to get a second mortgage to renovate and is offered to both homebuyers and investors.

Find out how easy it can be by contacting us today.

More info on Renovation Loans >>

I am a Veteran.
VA Loans
I want to get cash out of my property.
Fixed Rate Loans
I would like to reduce my monthly payments.
FHA Loans
VA Loans

VA Refinance Summary:

OVM Financial is proud to offer those who have served and are currently serving the Veteran's Affairs (VA) loan. The VA loan is an excellent loan that can assist our veterans who may want to refinance to take advantage of a lower interest rate via an interest rate reduction refinance loan (IRRRL) or cash out.

Additional Information:

  • Up to 100% of the home's value for cash out.
  • VA interest rate reduction refinance loan (IRRRL) simplifies the refinance process. Cash out not allowed.
  • Second home and investment properties allowed with the VA Interest Rate Reduction Refinance Loan (IRRRL). See your OVM Financial Loan Officer for details.

More info on VA Loans >>

Fixed Rate Loans

Fixed Rate Loans Summary:

At OVM financial, our Fixed Rate Conventional Mortgages offer the confidence of knowing your rate and payment will not change for the term of your loan. This is a great program for anyone planning on being in their home for a longer period of time.

Additional Information:

  • Cash out available to 85%
  • As low as 620 fico available
  • Maximum loan amount of $417,000
  • Unlimited cash out

More info on Fixed Rate Loans >>

FHA Loans

FHA Loans Summary:

OVM Financial offers the Federal Housing Administration (FHA) Loan, to assist borrowers who may need flexible mortgage guidelines. The FHA loan is a great product that helps many people refinance.

Additional Information:

  • Under the FHA streamline program, current FHA loan borrowers can refinance with no appraisal.
  • Up to 97.75% loan to value for a rate and term refinances.
  • Up to 85% loan to value for cash out refinances.

More info on FHA Loans >>

Rent vs. Own Comparison.
Loan Application Checklist.
10 MTG Do’s and Don'ts.
First Time Homebuyer.
Rent vs. Own Comparison
Rent vs. Own Comparison Summary:

Buy a home and begin building your own equity. Rates are at an all time low, and we are confident there is a program that is perfect for you. The benefits are endless!

  • You can’t build equity in an apartment or rental property, but by owning your home you can!
  • Your rent payment is not tax deductible. By being a home owner the interest portion of your mortgage payment could be tax deductible. *Please consult your tax advisor.
  • Your rent almost always increases when your lease is renewed, but with a fixed-rate mortgage, the principle & interest payments never go up.
  • In addition to deducting mortgage interest, you may also be eligible to deduct costs paid at closing. As part of owning a home versus renting, you may be eligible for tax credits for improvements and other tax incentives.
Loan Application Checklist
Use this checklist to make sure you have everything you need before you begin your loan application. Having all necessary documentation up front saves time so your loan can close smoothly and quickly.


  1. 2 years of tax returns.
  2. 2 years of W-2s.
  3. If self employed, 1099s and copy of business license.
  4. Most recent bank statements (all accounts and all pages).
  5. Explanation (signed and dated) of any deposits over $1,000 other than normal pay into accounts.
  6. Most recent pay stubs (minimum of 30 days).
  7. Copy of driver’s license.
  8. Explanation (signed and dated) of any inquiries on credit report.
  9. Mortgage Statement, Insurance Declaration Page, and most recent tax statement for all other properties owned.
  10. Divorce Decree and Separation Agreement (if applicable).
  11. Copy of Earnest Money Check & Purchase Contract.
10 MTG Do’s and Don'ts
  1. Don’t apply for new credit of any kind.
  2. Do keep all existing credit card accounts open.
  3. Don’t MAX OUT or overcharge existing credit cards.
  4. Do maintain your employment at your current job.
  5. Don’t consolidate debt to one or two cards.
  6. Do pay off collections, judgements, or tax liens reported within one year.
  7. Don’t make any large purchases.
  8. Do stay current on your existing accounts.
  9. Don’t make any large deposits into any of your accounts.
  10. Do call us. We are here to help you through this process.
First Time Homebuyer
Step 1: Get Pre-Qualified:
The only way to truly know how much home you can afford is to ask a lender. Getting pre-qualified lets you know how much you can afford before shopping for your home.

What to Know:
  • Income: Stable income assures a lender you can make your monthly mortgage payment.
  • Debt: Add up auto payments, credit card payments, student loans, alimony, child support, and other debt.
  • Cash: Total assets, amount in checking and savings accounts, and other investments.
  Step 2: Determine Monthly Mortgage Payment Including Escrow:
Escrow is a third party account used to retain funds including the property owner’s real estate taxes and hazard insurance premiums. Escrow is only applicable in certain loan programs.

Step 3: Understand Bills Associated with Homeownership:
Estimate that it will cost about one percent of the purchase price per year to maintain your home. For a $200,000 home, you should budget approximately $2,000 per year or approximately $170 per month for maintenance. Condominiums and co-ops will have regular maintenance fees. You will also have utilities, gas, electric, water, sewage, cable, telephone, insurance, property tax, etc.

Step 4: Establish Future Priorities and Plan for the Unexpected:

  • What are your needs for the new home — furniture, lawn equipment, barbecue grill?
  • Is a new car in your near future?
  • Do you plan to have children?
  • How long can you survive if you lost your job?



We Are Proud to be Your Local Hometown Lender

Select your state below to see our locations or view all our locations by clicking here.

Are You Looking for a Great Place to Work?

We are always looking for new talent.

Take your career to the next level.

With unparalleled support and industry leading operations your success is limitless.

At OVM Financial, we are proud to have the earned our reputation as an emerging leader in the Mortgage Industry by offering excellent in-house support & operations, a proven marketing system and cutting edge lead generation for our sales teams. Thrive with a team of like-minded salespeople that can provide the support, coaching and industry experience that ensures you achieve your goals.

We are an independently owned and operated wholesale mortgage lender founded by salespeople for salespeople. We are always looking for Loan Officers who are interested in the opportunity to grow and achieve excellence.

Go to Careers Page


Interested in Working with Your Lender to Help Grow Your Business?

We are experts at creating long term relationships that get results.

"I have been working with OVM Financial for over 8 years. Their team has impeccable service. Their attention to detail and making clients feel at home is service that is unattainable in the Real Estate World."

Bethany White


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About OVM Financial

Leading by example in the mortgage industry and the community.




Transforming the mortgage industry since 2005.

Local ownership, local processing & underwriting, industry leading service. At OVM Financial Inc. we are committed to providing the highest level of support and service to our clients and partners. Our core values of honesty, accountability, and integrity define who we are. Our success is not solely determined by profit and loss, but rather by the friends and families that benefit from our hard work. Learn more