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Steve Holland | Mortgage loan Originator (757) 831-9930

Stephen Holland | OVM Financial I Mortgage Lender | (757) 831-9930

Steve takes pride in making sure that none of his clients ever get lost in the transaction. Every deal is important and so is every client. It makes on different how large or small the deal is, Steve is 100% dedicated to keeping the client up to date with what is happening in the loan process and answering any and all questions they may have. Steve’s commitment to delivering personalized customer service and professionalism as well as educating borrowers is matched. His concentration is centered on securing Conventional, FHA, VA, USDA, VHDA and first time home buyer’s loans in addition to helping those that may have credit, asset or income issues (VA Mortgages, VA Home Loans, Zero Down Mortgage, 5% down Mortgage, Refinance Mortgage, FHA Mortgage, Conventional, VHDA, Grants) Steve works with all types of clients, from first time home buyers to people looking to buy multiple homes. Here is just one testimonial from a resent client that Steve help get a new home. You can judge for yourself the reaction clients have after working with Steve: “I recently had the privilege of working with Steve Holland in my attempt to purchase a new home in the Hampton Roads area. Steve is the consummate professional who is patient, knowledgeable and genuinely concerned about his clients’ wellbeing. Based on my experience with Steve I have to say in all honesty he is the best mortgage specialist I have worked with. This is the “go to guy “if you’re purchasing a home in this area.” -Joe V. Steve has a saying that is on his card and I this that testimony backs it up. I what others can’t, what they can do, I do better!
Steve Holland’s Licensing Information:
NMLS Number: 1084044
License Number: #MLO-16332VA / I-159134NC
OVM Financial, Inc. is licensed by the Virginia State Corporation Commission/Bureau of Financial Institutions as a mortgage lender/mortgage broker, license # 3038, NMLS ID # 86788, (www.NMLSConsumerAccess.org). OVM Financial Inc., is an Equal Housing Lender. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. “OVM Financial Inc.” is a registered trademark of OVM Financial Inc., LLC, a Virginia limited liability company.
OVM Financial, Inc. Licensing Information:
Virginia Mortgage Lender License: MC-3038
North Carolina Mortgage Lender License: L-140706
South Carolina Mortgage Lender License: MLS-86788
Georgia Mortgage Lender License: 46432

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A Home Loan Re-Finance In Retirement – Great Concept Or Bad?

I lastly chose a business that was offering a low rates of interest and also had a great reputation. Likewise think about just how much money you will require to borrow. This information is important in your last choice.

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If you are a homeowner, meaning you don’t owe any thing on your home mortgage, you have the option of securing a reverse home mortgage on your home. A reverse home mortgage is a type of home mortgage that you can take a loan on the quantity of the worth of that home that you own. So if you recently purchased a house and took out a loan for the total expense of the home, and still owe all of the cash on that loan, a reverse home mortgage may not be the right loan for you.

With your bad credit, you may wish to explore the opportunity of the Federal Housing Administration, FHA, where individuals with credit as low as 580 can acquire bank of america refinance rates loans with complete funding. There are other alternatives such as seller funding and lease with option to purchase.

It’s a buyer’s market out there today. Residential or commercial property worths are dropping, that makes it continued simple to enter into a great home for a low rate.You may have a tough time refinancing if home worths are actually low in your area. You’ll require your home to evaluate for a minimum of the quantity of the loan. If you have a brand-new loan and haven’t paid it off quite, you may have a difficult time qualifying.

There are a lot of calculators readily available on the Web where you go into the home mortgage quantity, the regular monthly payment and the home mortgage term. This will be able to calculate the rates of interest for you in a few simple steps.

Avoid overstating your earnings and understating your expenditure. It is prohibited to lie about your earnings on a home loan application. Bear in mind that loan providers will perform checks to guarantee you are able to make your payments each month.

Some business quote extremely low rates and draw in great deals of applications, but they don’t let you Lock-In until 15 Days prior to loan closing. You will get screwed if you apply for a Home loan through a business with that policy. When it’s time to Lock-In your Home Loan Rate, you will pay an “excess” that will go straight to the Home loan Officers pocket. You will either pay more points for the rate you asked for at the time of application or you will get a greater rate. In any case, you will get screwed and the Loan Officer will get a fat excess contributed to his commission.

So, don’t let the number secret info online home mortgage quotes sources trouble you. Shop around, and comprehend that the online home mortgage quotes are bait and that home mortgage brokers are frequently the very best source. You still need to sort through them to get a good one.

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Credit Criteria – Receiving a loan also requires you to have an established credit history. They offer credit cards, insurance, merchant services and all. Your realty expert can recommend an inspector.