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 Florida and Virginia.
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.
Macy is excellent to work with! I cannot wait until the next transaction. Kim L. WILLIAMSBURG, VA April 23 Rating: 5.0 out of 5.0 from Encompass
Macy is excellent to work with! I cannot wait until the next transaction.
absolutely would recommend Wesley Austin WILLIAMSBURG, VA April 16 Rating: 5.0 out of 5.0 from Encompass
absolutely would recommend
Macy and the Oaks Team are the best! Had a few hiccups (unrelated to lending) in our home buying process and they stayed on top of everything. Second time using the Oaks team and first time getting to work with Macy, I cannot reccomend them enough. Tyler D VIRGINIA BEACH, VA April 13 Rating: 5.0 out of 5.0 from Encompass
Macy and the Oaks Team are the best! Had a few hiccups (unrelated to lending) in our home buying process and they stayed on top of everything. Second time using the Oaks team and first time getting to work with Macy, I cannot reccomend them enough.
It was a very smooth and professional experience. Macy was great to work with, thank you again! Inna E VIRGINIA BEACH, VA April 13 Rating: 4.7 out of 5.0 from Encompass
It was a very smooth and professional experience. Macy was great to work with, thank you again!
Great experience! Very simple and happy with how flexible you guys were with us being gone a lot. Peter NORFOLK, VA April 06 Rating: 5.0 out of 5.0 from Encompass
Great experience! Very simple and happy with how flexible you guys were with us being gone a lot.
Wonderful to work with MICHAEL ONANCOCK, VA April 01 Rating: 5.0 out of 5.0 from Encompass
Wonderful to work with
I like how they communicate with you along the way with everything going on keeping you updated, by letting you know, each step and details, even when things may seem overwhelmed, she gave me reassuring words to let you know, everything is ok that truly made me very comfortable, how everything was done in a timely manner, overall, great experience... Crystal NEWPORT NEWS, VA March 19 Rating: 5.0 out of 5.0 from Encompass
I like how they communicate with you along the way with everything going on keeping you updated, by letting you know, each step and details, even when things may seem overwhelmed, she gave me reassuring words to let you know, everything is ok that truly made me very comfortable, how everything was done in a timely manner, overall, great experience...
Macy made everything go well and smooth. I'm not sure how anyone else could've made our experience any better. My wife and I will be recommending OVM anyone looking for a lender in Florida. Patrick C Davenport, FL February 18 Rating: 5.0 out of 5.0 from Encompass
Macy made everything go well and smooth. I'm not sure how anyone else could've made our experience any better. My wife and I will be recommending OVM anyone looking for a lender in Florida.
Easy to contact regarding questions Bradyn A CHESAPEAKE, VA February 18 Rating: 5.0 out of 5.0 from Encompass
Easy to contact regarding questions
Macy Griffin made our home purchase in Davenport, FL effortless. She was professional, responsive, and knowledgeable at every step...explaining options clearly, pushing things forward, and solving small issues before they became problems. Communication was excellent and the process felt smooth and stress-free. I highly recommend Macy to anyone look... Rebecca H Davenport, FL February 16 Rating: 5.0 out of 5.0 from Encompass
Macy Griffin made our home purchase in Davenport, FL effortless. She was professional, responsive, and knowledgeable at every step...explaining options clearly, pushing things forward, and solving small issues before they became problems. Communication was excellent and the process felt smooth and stress-free. I highly recommend Macy to anyone look...
Macy was absoluteĺy exemplary! She went. Above and beyond to make sure the job got done! My wife and I are 75 and 79 and not experts using computers! She was just the best helping us get everything needed to close the deal! Thank you, Macy! Henry GREENBACKVILLE, VA February 10 Rating: 5.0 out of 5.0 from Encompass
Macy was absoluteĺy exemplary! She went. Above and beyond to make sure the job got done! My wife and I are 75 and 79 and not experts using computers! She was just the best helping us get everything needed to close the deal! Thank you, Macy!
Macy was very helpful Julie J CHESAPEAKE, VA February 09 Rating: 4.8 out of 5.0 from Encompass
Macy was very helpful
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.