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OVM NEWS & RESOURCES
What Professionals Are Involved in the Home Buying Process?
The home buying process involves many layers of parties to get the job done. The number of real estate professionals depends on the property and/or borrower...
March 21, 2019 Read More
Swimming Pool Financing: How To Finance Installation or Repair
Let’s face it, buyers and homeowners either love or hate pools. There’s usually no in between. Pool lovers often find out that mortgage loan programs...
March 20, 2019 Read More
2019 FHA Guideline Changes
Effective March 18, 2019, FHA guidelines have changed. The Federal Housing Administration (FHA) has announced new stricter underwriting guidelines for borrowers with lower credit scores...
March 19, 2019 Read More
What To Do After Having a Mortgage Loan Denied at...
Having a mortgage loan denied at closing is the worst and is much worse than a denial at the pre-approval stage. Although both denials hurt,...
March 18, 2019 Read More
How To Finance Home Renovations With An FHA 203K Loan
While driving through established neighborhoods, it is easy to notice that homes are getting older. Often, these homes sell at a discount or not at...
March 13, 2019 Read More
Mortgage Shopping Tip: How To Select The Right Lender
The decision to buy a home is an exciting time. Yet, it brings about questions, concerns, and doubts. While speaking with a mortgage lender, thoughts...
March 13, 2019 Read More
FHA Identity of Interest Can Burn Buyers, Sellers, and Realtors
FHA loans give buyers the option to finance with a down payment as low as 3.5%. There’s even a $100 down payment FHA program, but did...
March 12, 2019 Read More
Mortgage Process Steps – From Application to Closing
Our goal is to ensure that each buyer understands the mortgage process from application through closing. If you are considering a home purchase (especially as...
March 11, 2019 Read More
Understanding Debt to Income Ratio
Qualifying for a mortgage involves several calculations. One of the most important numbers in the mortgage process is a borrower’s debt to income ratio (DTI)....
March 5, 2019 Read More
How to Gross Up Nontaxable Income for a Mortgage Approval
Income. We all want it, and it comes in many forms: salary, hourly, self-employed, child support, alimony, rental income, retirement, and more. Additionally, each of...
February 27, 2019 Read More
3 Tax Transcript Solutions for Home Buyers in a Hurry
Buying a home comes with some head scratching processes for home buyers. Although once explained, they usually make sense. One of these include lenders asking...
February 22, 2019 Read More
Home Improvement Loan Solutions For Veterans
With just about every house, there comes a time when home improvements are desired or required. It may be a necessary repair, minor upgrades, or a...
February 22, 2019 Read More
Closing Day Expectations Explained From Beginning to End
Buying a home is a process, and the reward is finalized by closing on a house. Better yet, buyers want to get the keys to...
January 22, 2019 Read More
Home Appraisal Questions Answered for Home Buyers
Buying a home can be one of the most exciting times in life, but one step in the home buying process strikes fear or uncertainty in...
January 9, 2019 Read More
Remember These 6 Packing Tips for Moving Day
Whether it is a long or short distance move, transitioning from a renter to a homeowner, a military PCS, or downsizing to a smaller home,...
October 27, 2016 Read More
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