Branch Manager
John Kersey
NMLS ID#: 1737318
1548 The Greens Way Suite 1
Jacksonville, FL 32250
About Me
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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Loan Options
Conventional
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.
Without Federal Government-mandated procedures to deal with, Conventional loans are simple to apply and qualify for. With tons of options and customizable terms available, we can craft a conventional loan that perfectly aligns with your borrower's financial status and long-term goals.
Quick Facts
- Downpayment Required
- Insurance Required
- Higher Credit Needed
- No Residency Restrictions
- Not Insured
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.
If your borrower meets the basic service requirements specified by the U.S. Department of Veterans Affairs, they are eligible for a VA loan.
Quick Facts
- No Downpayment
- Insurance Optional
- Lower Credit Accepted
- Primary Residence
- Government Insured
USDA
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”.
For income-qualified borrowers, USDA’s provide competitive Fixed Interest Rates at Affordable 30-Year Terms A USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your borrower's home value. That means no down payment of any kind!
Quick Facts
- No Downpayment
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured
FHA
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.
Unlike other loan types, property buyers with credit scores as low as 550 can qualify for an FHA loan. Mandatory down-payments can be set as low as 3.5% of the home’s cost, minimizing the need for available cash up-front. In addition to lower down-payments and interest rates, FHA borrowers can take advantage of unique benefits like Down Payment Assistance programs, Down Payment Gifts, and Up to 6% Seller Assist.
Quick Facts
- Downpayment Required
- Insurance Required
- Lower Credit Accepted
- Primary Residence
- Government Insured