One of the best Brokers at OVM! I wrote a longer review on their main page.read more

From the owner: I make the loan process CRYSTAL Clear! Text or call me to find out how…read more I have chosen to partner with OVM Financial, Inc. because it's processes have built their solid reputation of closing mortgage loans in an efficient and timely manner. This step-by-step process allows me to create a "CRYSTAL Clear" loan experience. From application to move in you will know what to expect! I provide a variety of loan products and programs. I offer FHA, Conventional and Jumbo Loans! I offer 100% Financing through the VHDA, NCHFA, USDA, & VA Loan Programs. For new home buyers, I assist with VHDA Mortgage Credit Certificates & Down Payment Assistance Loans/Grants, NCHFA Mortgage Credit Certificates & Down Payment Assistance Loans. For the Clients that say "I LOVE this house BUT..." I offer FHA 203(k) Renovation Loans, VA Renovation Loans, Conventional Renovation Loans, & Real Estate Investor Renovation Loans.

Fantastic Experience with Temple Mortgage It was my…read morepleasure to work with temple mortgage to secure financing for our home which resulted in an exceptional experience. All started with the preapproval to closing. Mr. Boyce was incredibly helpful and responsive. Mr. Boyce explain all our options in detail. This ensured that the different loan programs were understood. Along with how they fit our financial situation. He was prompt, knowledgeable and clearly took time to answering all questions. He gave my family a peace of mind during this exciting but stressful time. Professionalism and dedication truly made a difference with my family and we could not have asked for a better lender. I would highly recommend Temple mortgage to everyone looking for a reliable company, customer focus along with excellent service and support. .

My Experience with Temple Mortgage (Reynard Boyce) -- Norfolk, VA…read moreI became aware of Temple Mortgage through a local podcast featuring Reynard Boyce. Based on that appearance, my wife and I decided to use his services for a DSCR investment property loan. Upon visiting his office at 440 Monticello Ave, Suite 1850, Norfolk VA, I noticed the workspace was very small. Throughout our interactions, Mr. Boyce frequently referenced his 30 years in the banking industry. During the loan process I experienced several significant concerns: Loan complexity: The DSCR loan process through Temple Mortgage was more difficult and time-consuming than expected for a straightforward investment property transaction. Cybersecurity incident: Mr. Boyce's computer system was compromised during our transaction. I was not notified of this breach in a timely manner. As a result, I nearly wired my down payment to a fraudulent account. Fortunately, the title company had not yet processed the wire and the situation was resolved -- not through any action by Mr. Boyce, but through the intervention of another party's legal counsel who was contacted that evening. Mr. Boyce's response to the near-loss of my down payment did not reflect the level of urgency I expected given the severity of the situation. Missed closing: Due to delays in the loan process I missed my originally scheduled closing date. I have not missed a closing on any prior real estate transaction. Fees above market rate: At closing I discovered the broker fee charged was significantly higher than the standard 1-2% typically charged by mortgage brokers in the Hampton Roads market. This fee level was not clearly communicated to me prior to closing and only became apparent when I reviewed the HUD closing statement. Appraisal refund: I was verbally told at closing that I would receive a refund for an appraisal overpayment. That refund was not issued for approximately 30 days and was only processed after I submitted a formal written demand letter. Based on my experience I would not use Temple Mortgage again and would not recommend them to others. I have documentation supporting each of the above statements.