Getting You From Here to HOME

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.

  • 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 […]
  • Date
    March 13, 2017
    Bill Fisher offers a long history of helping buyers and homeowners finance their dream homes. Bill is a mortgage industry veteran with more than 25 years of experience under his belt. During this tenure, he has assisted thousands of home […]
  • 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 […]
  • Date
    December 15, 2016
    When it comes time to purchase a home, it is not uncommon for buyers to have a lot of questions regarding the home buying process. My greatest passion is putting my clients at ease by explaining the process to them […]
  • 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 […]
  • Date
    July 2, 2014
    Chet Mann entered the mortgage lending industry in 2009 after a successful career in industrial gases, industrial supply sales and distribution. He quickly built a team and landed in the top tier of mortgage loan production for his company. Today, […]
  • 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 […]
  • 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 […]
  • 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 […]
  • 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 […]

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 $424,100.
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 $424,100, 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 $424,100 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 $424,100 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 $424,100.
  • 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 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 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.

  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 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 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 >>




We Are Proud to be Your Local Hometown Lender

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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 an 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 aggressively looking for Loan Officers who are interested in the opportunity to grow and achieve excellence.

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

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

"First of all, thank you so much for all you do and for the support at closing today. You guys have no one that even comes close to what you do for all of us, including our sellers and buyers. It is a blessing to have you on my side."

D. Watson, Realtor


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