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OVM NEWS & RESOURCES

FHA Debt to Income Ratio Solutions That Can Help You...

When it comes to qualifying for a home loan, there are a lot of guidelines and a ton of math. One such mortgage calculation includes...

November 12, 2019 Read More

How to Deal With a Short Appraisal – Be Careful...

Everything is going well on your purchase, but then the appraisal comes in short of the sales price. First reaction to a short appraisal may...

November 4, 2019 Read More

Simultaneous Closing – Tips for Buying and Selling Homes on...

In a perfect world, a seller finds a buyer for their house and immediately goes under contract for their new home. Not only getting under...

November 1, 2019 Read More

USDA Student Loan Repayment Rules Have Changed for the Better

It is not a secret that over $1.6 trillion in student loan debt keeps many Americans from buying a home. Even when the student loan...

October 28, 2019 Read More

Should you stage your listing?

Why is it that some homes sell in what seems like minutes of being listed and others stay on the market for months? One possible...

October 28, 2019 Read More

Pre Approval vs. Pre Qualification: Which is better?

Imagine that you’re ready to buy a home, so you reach out to your local mortgage guy (let’s call him Mort the Mortgage Guy) to...

October 28, 2019 Read More

Are You Due a VA Funding Fee Refund? You Need...

Except for exempt VA borrowers, every other VA loan borrower is charged a VA funding fee. But, the Department of Veteran Affairs has been working...

October 25, 2019 Read More

Can I Buy a Home With a Charge Off?

When a debt is not paid, it may go into collections or become a charge off. If an account is in collection status, it means...

October 16, 2019 Read More

How Does a Rapid Rescore Work and Help Me Buy...

You probably know that credit scores are a key component in getting approved for a mortgage. Yes, it’s all about that number! When buying a...

September 30, 2019 Read More

Refinancing or Buying an On Frame Modular Home

Home prices keep going up and finding an affordable home can be tough. Fortunately, prefab options called modular homes may be the solution. Modular homes...

September 30, 2019 Read More

Why Am I Required to Have a Condo Insurance H06...

Buying a condo is different from buying a standalone home. Especially when it comes to insurance coverage. Buying a condo means you are becoming a...

September 30, 2019 Read More

What are the Advantages of Using a Piggyback Mortgage? Key...

Using a new mortgage to purchase or refinance a home usually results in getting one mortgage. Maybe there are options such as choosing FHA vs...

September 30, 2019 Read More

What is the Minimum Credit Score for a VA Loan?

As with all mortgage loans, a borrower’s credit score is a key component of the approval. The most popular question is, “What’s the VA loan...

September 24, 2019 Read More

What is a VA Loan and Why is it So...

Most Americans want to buy or build a home. Maybe for some it is as simple as that and those buyers just pay cash to...

September 24, 2019 Read More

How VA Lenders Use the VA Residual Income Chart to...

Most people in the mortgage process hear the term debt to income ratio thrown around a lot and know its importance. However, when it comes...