About Michael
Proudly serving clients across Virginia and North Carolina.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!
Borrower Testimonials
Exceptional in his profession. Michael has an innate ability to guide through the complexities of the loan process in a manner that is exceptionally professional, yet there is a warmth and kindness that is always present. ( Typically, this profession does NOT include knowledge, skill and kindness!) Certainly, this young man should be an example ...
Because of Michael and the rest of the OVM team, my husband and I were able to close on our first home in a matter of weeks. We had a very unique situation, but he did everything possible to make sure we still closed on time. Michael exceeded our expectations, and we would 100% recommend him and OVM to anyone in need of lending.
Michael Oaks s great lender to work with he was very professional and knowledgeable easy to work with. Our situation was long and complex Michael was very patient in helping us get our home loan. We highly recommend him to anyone wanting to purchase a home. We were very happy with the way our terms he made it very easy we appreciate everything he d...
Michael Oaks helped me with the whole mortgage process from getting pre-approved to closing and was excellent. I am a first time home buyer so I had no experience with the process. I asked Michael questions all day everyday and he was always very quick to respond and happy to answer any and all questions. At one point, he actually thanked me for as...
My husband and I were looking to refinance on our home for home improvements and to payoff debt. We didn’t want just anyone helping us. We needed someone who would give us direction and find us the best interest rate. Michael Oaks was perfect for the job! He helped us by telling us what we could do to better our credit scores. The process of refi...
In a matter of weeks Michael Oaks had me in my dream home. I was originally working with a nightmare lender and within a matter of hours Michael Oaks had me pre-approved for the home I have wanted for quite some time. Within weeks Mr Oaks and OVM had me at the closing table.
It was truly a pleasure to work with Michael Oaks. He made what can often be a pain-staking process, so seamless! He is extremely professional, knowledgeable and thorough, just to name a few. If I come across anyone who is in need of lending services, I will be giving them his name with pleasure!!!