Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across Virginia, Connecticut, Florida and North Carolina.
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Chris was seemingly always available, and went above and beyond to ensure that everyone involved on my team worked together in order to get my closing done in time, i'm not even sure I would be moved into my house by now if it wasn't for Chris Timothy E BOLTON, CT February 12 Rating: 5.0 out of 5.0 from Encompass
Chris was seemingly always available, and went above and beyond to ensure that everyone involved on my team worked together in order to get my closing done in time, i'm not even sure I would be moved into my house by now if it wasn't for Chris
The team was patient and understanding Isaac C VIRGINIA BEACH, VA December 24 Rating: 5.0 out of 5.0 from Encompass
The team was patient and understanding
Great communication and very easy to work with Angela J NORFOLK, VA December 15 Rating: 5.0 out of 5.0 from Encompass
Great communication and very easy to work with
Thank you! Your communication has been clear, timely, and very helpful throughout the entire process. Irainny WILLIAMSBURG, VA November 21 Rating: 5.0 out of 5.0 from Encompass
Thank you! Your communication has been clear, timely, and very helpful throughout the entire process.
Chris was very transparent and up fromt about everything. Made every step easy and allowed us to complete tasks dorectly through him when the app wasn't working. 10/10 Evan A WILLIAMSBURG, VA November 18 Rating: 5.0 out of 5.0 from Encompass
Chris was very transparent and up fromt about everything. Made every step easy and allowed us to complete tasks dorectly through him when the app wasn't working. 10/10
Thanks for always making yourself available and answering any questions we had! Hannah E NORFOLK, VA November 03 Rating: 5.0 out of 5.0 from Encompass
Thanks for always making yourself available and answering any questions we had!
Chris's depth of knowledge certainly made our home purchase smooth. Thanks again, H&J Jack R NORFOLK, VA October 27 Rating: 5.0 out of 5.0 from Encompass
Chris's depth of knowledge certainly made our home purchase smooth. Thanks again, H&J
Chris Rice made it great. He kept us updated and straightened out any confusion created by other members of OVM in the process . I would gladly work with Chris again and would recommend him to anyone seeking home financing! Thomas E CHESAPEAKE, VA October 09 Rating: 5.0 out of 5.0 from Encompass
Chris Rice made it great. He kept us updated and straightened out any confusion created by other members of OVM in the process . I would gladly work with Chris again and would recommend him to anyone seeking home financing!
Chris Rice was extremely knowledgeable and able to explain everything in terms I could understand. He made sure I knew what was happening, what was needed, and what was coming. He was professional in our dealings and personable as well. Pamela G CHESAPEAKE, VA October 09 Rating: 5.0 out of 5.0 from Encompass
Chris Rice was extremely knowledgeable and able to explain everything in terms I could understand. He made sure I knew what was happening, what was needed, and what was coming. He was professional in our dealings and personable as well.
Chris was always very accessible throughout the process to answer any of my questions. Scott L ASHLAND, VA October 03 Rating: 4.8 out of 5.0 from Encompass
Chris was always very accessible throughout the process to answer any of my questions.
My loan manager was very helpful and explained things in a way I could understand. he was also very willing to work with us Aaron MARLBOROUGH, CT August 28 Rating: 5.0 out of 5.0 from Encompass
My loan manager was very helpful and explained things in a way I could understand. he was also very willing to work with us
Chris worked hard to get us closed on time and smoothly. He went the extra mile and was so easy to work with. SAMANTHA Virginia Beach, VA August 04 Rating: 5.0 out of 5.0 from Encompass
Chris worked hard to get us closed on time and smoothly. He went the extra mile and was so easy to work with.
On 02/25/2026 at 2:00 pm
Don't miss our Real Estate Realities: Relationships Over Transactions live webinar! Most agents burn out chasing the next deal. But the ones who thrive? They build relationships that keep business coming to them. If you’ve ever felt like your follow-up game needs more follow-through, this one's for you! See you there