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OVM NEWS & RESOURCES
How to Get a VA Loan for the First Time
Not all first-time buyers are in their early 20’s, and the same is true for first time VA loan buyers. A first-time buyer could decide...
October 24, 2018 Read More
VA Loan Closing Costs for Buying a New Home
The most common questions from a buyer include: How much is my payment? What are my closing costs? What is the rate? How much do I...
October 23, 2018 Read More
Who Pays Closing Costs?
A popular question before and during negotiations start on the purchase contract is who pays closing costs? Sellers and buyers have their distinct breakdown of...
October 23, 2018 Read More
FHA vs. Conventional Loan Options and Benefits for Home Buyers
There are many decisions to make during the home buying process. For some buyers, the lack of knowing what to do or keeps them renting...
October 23, 2018 Read More
What Does A Home Warranty Cover?
For many buyers, a home purchase will be the most significant investment of a lifetime, and a lot is riding on the decision. That’s why...
October 23, 2018 Read More
USDA Debt to Income Ratio Requirements and Solutions
A borrower’s ability to repay a loan is determined by the borrower’s monthly debt payments and the new house payment compared to their calculated monthly...
October 23, 2018 Read More
VA Loan Closing Costs
The most common questions from a buyer include: How much is my payment, what are my closing costs, what is the rate, and how much...
October 19, 2018 Read More
Spanish Speaking Lender Serves Hispanic Community | Betty Tharpe OVM...
Getting a home loan is, in essence, like a puzzle. All of the pieces have to fit together. The main pieces include income, credit, debt...
October 19, 2018 Read More
How Holiday Shopping Affects Credit Scores & Home Buyer Dreams
The season of giving brings cheer for many, but before the holidays arrive, we need to discuss how holiday shopping can severely damage a credit...
October 9, 2018 Read More
What Credit Score Is Needed To Buy a House?
The mystical credit score. Even industry experts get confused by credit scoring reasonably often. So, imagine the concern from someone who may buy only a...
October 9, 2018 Read More
VA Loan Manufactured Home Purchase Promotes Affordable Housing
Home prices and interest rates continue to climb putting pressure on buyers looking for affordable housing. Due to the rise in cost, buyers may consider...
October 9, 2018 Read More
Now Is The Time To Buy: A Mortgage Industry Update
In today’s rapidly evolving real estate market, it’s easy to become a prisoner of the “now.” The mortgage business is no different, as the past...
October 4, 2018 Read More
Little Known Exceptions to the VA Loan Occupancy Requirement
Whether buying as a first time home buyer or purchasing the 5th home, it is a big financial decision. Yet, lives are not always cut...
October 1, 2018 Read More
Tips for a Lower Flood Insurance Quote
All insurance policies come down to one key factor – RISK! Getting a flood insurance quote is no different. The higher the flood risk, the...
September 28, 2018 Read More
Freddie Mac Student Loan Guidelines Make It Easier to Buy...
Many times, buyers with student loan debt hear the following mortgage lender response: “Sorry, but when using 1% of your outstanding student loan debt as...
September 27, 2018 Read More
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