I am a lifelong resident of Hampton Roads, having grown up in Poquoson. I have been in the mortgage industry since 1994 and have closed over 180,000,000 in loans in my career. I am an avid scuba diver, baseball fanatic (Go Red Sox), a husband and father of 2 great kids. I hold a dual bachelors degree in accounting and finance from Franklin Pierce University and a certificate in Financial Management from Cornell University. My passions are people and ensuring that they have a path to financial freedom, ensuring families have a solid foundation for the future by providing mortgage services that fit their income and lifestyle as well as delivering results that are measurable and impactful.
I started pursuing self-employed borrowers a few years ago. I realized that this segment of the market was underserved and that access to credit and capital was strenuous at best. It has been a perfect marriage. At the heart of what I do is Financial Analysis. My strength is being about to pull apart financial information and reformulate it back into its logical formulate for income analysis, cash flow analysis and constructing balance sheets. I love accounting and I flair for being able to take complex problems and break them down into useable parts. Self-employed borrowers present the perfect opportunity to serve my fellow man, stimulate my mind by doing the quantitative analysis required to meet the challenges that self-employed borrowers present
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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.