We were involved in the final mortage process with one of the big banks , and having extreme difficulty. We ended up terminating the loan. Our realtor recommended OVM and gave us John's #. I called john and told him our terrible dilemma. He was very sympathetic and understanding. He quickly invited us to his office for help , in fact it was his day off! John introduced us to Paul, gave him our info and we were quickly on our way . OVM also made a much better deal . They got us a great intrest rate , paid off my auto loan and we paid a lot LESS of a total down payment! They were awesome the whole process! John and Paul are the best ! Don't waste time shopping around or think your going to do better with the big banks. Just call OVM. You will be glad you did !