John Kersey

About John Kersey

John Kersey started his mortgage career at OVM's headquarters in Virginia Beach, VA with one of the highest producing teams. Working with the best in the business, John learned the vital elements to providing superior customer service as a mortgage loan originator. With strong aspirations to achieve his goals (and the dream of moving to warmer weather), John was granted the opportunity to work in OVM Financial's sunny Jacksonville Beach, FL branch in the spring of 2019. He rose to the occasion quickly - earning President's Club in 2020 and 2021. He leads a mortgage team of five and looks over the entire branch in his role as Branch Manager!

His enthusiasm for the business and his work ethic are contagious. John says, "My daily goal is to make my referral partners more successful in their business and life. Success means something different for everyone. It is my role to discover what is important about success to them and as a lender executes on the things that will immensely grow their success."

In John's free time he is hanging out with his wife, Tiffany, his son, Jagger, and Goldendoodle, Piper! He is an avid surfer and sits on the board of directors of "A Walk on Water,"ť a series of surf therapy events across the nation for families with special needs children. He also loves to play golf on the weekends and attend The Players Championship at TPC Sawgrass every year!

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Find Me

1548 The Greens Way Suite 1
Jacksonville, FL 32250

NMLS ID#: 1737318

1548 The Greens Way Suite 1 Jacksonville, FL 32250

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Loan Options

Conventional

  • Downpayment Required
  • Insurance Required
  • Higher Credit Needed
  • No Residency Restrictions
  • Not Insured

VA Loans

  • No Downpayment
  • Insurance Optional
  • Lower Credit Accepted
  • Primary Residence
  • Government Insured

USDA Loans

  • No Downpayment
  • Insurance Required
  • Lower Credit Accepted
  • Primary Residence
  • Government Insured

FHA Loans

  • Downpayment Required
  • Insurance Required
  • Lower Credit Accepted
  • Primary Residence
  • Government Insured
  • Conventional Loan:

    A conventional home loan is a mortgage that is not insured by the federal government, so their terms are more flexible than USDA, FHA or VA loans. Offering low interest rates, they’re a great fit for customers with good credit and financial stability who can afford a down payment.

  • VA Loan:

    Insured through the U.S. Department of Veterans Affairs, VA loans do not require the borrower to make any down payment or to get private mortgage insurance, amounting to substantial savings. With lower rates and the far more lenient underwriting standards, if your borrower is a current or former member of the U.S. armed forces, they are unlikely to get a better deal with any other kind of loan.

  • USDA Loan:

    The United States Department of Agriculture developed this mortgage option to improve the economy and quality of life in rural America by encouraging the purchasing of rural land. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program, and you might be surprised how feasible it is to qualify for one beyond what most would consider “farmland”.

  • FHA Loan:

    An FHA loan is a mortgage designed for low-to-moderate-income borrowers. Insured by the Federal Housing Administration, FHA loans require a lower minimum down payment and credit scores than many conventional loans.

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