David Wakefield

Mortgage Lender since 1994. Married in 1994… Live Right, Lead Right & Leave Right! NMLS 180383, Prod BM + LO at OVM Financial NMLS 338923. Equal Housing Lender

[David Wakefield @dwakefield2]

Planning to hit open houses in Jax or St. Johns Cty this wknd? 🏡 Don't make an offer w/a 3-mth-old pre-approval ltr.
Days on market dropped to 36 days—the fastest pace this yr. Speed matters. Let's refresh your #’s today so you can win on Saturday.
#JacksonvilleFL #RealEstate

[David Wakefield @dwakefield2]

Someone filed a fraudulent tax return using my name and SSN.

Fun times.

I just recorded a quick 2-min video with the exact steps I took to protect myself (and what I wish I had done sooner).

Worth a watch — this can happen to anyone. - David

[David Wakefield @dwakefield2]

Big news for VA buyers and agents starting May 1! 📣 The VA is dropping the mandatory peeling-paint repair requirement for homes built after 1978. A massive win for smoother transactions and faster funding! 👇 @OVMFinancial

[David Wakefield @dwakefield2]

Waiting to buy a home could cost you more than you think. While you wait for rates or the ‘perfect’ market, home prices may rise, meaning lost equity you could have built by buying sooner. I’m here to help you explore your options & create a plan to secure your financial future.

[David Wakefield @dwakefield2]

New Florida homeowner?

Have you filed for your Homestead Exemption yet?

March 1 deadline.
Up to $50K exemption.
3% annual cap protection.

It not automatic! If you owned the home Jan 1 and it’s your primary residence — you likely qualify.

Questions? Comment! @OVMFinancial

[David Wakefield @dwakefield2]

Not sure if this is for you, but stop waiting until you save "enough" to start looking for a home.
Down Payment Assistance (DPA) programs exist to help cover upfront costs. Most buyers don't realize they qualify right now. Let's check your options.
*Eligibility requirements apply

[David Wakefield @dwakefield2]

Before closing, the appraisal is the final reality check. ✅
It confirms market value so you don’t overpay and the bank doesn't over-lend. It keeps emotions (& overpriced listings) in check.
Curious how they work or what to expect? Let’s talk. 📲
#JaxHomeBuying #OVMFinancial

[David Wakefield @dwakefield2]

@ElonMusk_LordX 18

[David Wakefield @dwakefield2]

🏡 Doctor Loan Program – 2026

Designed for medical professionals👨‍⚕️
✔️ Up to 100% financing
✔️ No PMI
✔️ Loans up to $2M
✔️ Student loans may be excluded
✔️ Offer letters allowed

Eligible: MD, DO, DDS, DMD, PharmD, DVM/VMD, DPM, CRNA
Big benefits. Smart Options!
@OVMFinancial

[David Wakefield @dwakefield2]

Watching SF vs Seattle tonight & thinking about real estate heading into 2026.

Inventory up a bit.
DOM stretching.
Rates easing.

Some are calling a buyer’s market.

After 30+ years in lending, here’s the truth—nothing’s predictable.
But cash + flexibility always win.

Go Jags!

[David Wakefield @dwakefield2]

I signed up for the Last H.I.M. Standing on Dec 13, 2025! https://t.co/ABpZOneqeG

[David Wakefield @dwakefield2]

Insurance in Florida can be a huge problem. Flood insurance could possibly be an even bigger problem for homebuyers! His flood insurance assumable in the state of Florida? Listen and see! ⁦@OVMFinancial⁩ https://t.co/FL5j6DdPAm

[David Wakefield @dwakefield2]

 What are the options for a low appraisal? #residentialmortgage #mortga... https://t.co/BNkNhWYwYM @OVMFinancial

[David Wakefield @dwakefield2]

Is now the right time to refinance or Will rate just keep going down? https://t.co/d0OjGlLlBV via @YouTube

[David Wakefield @dwakefield2]

Mortgage Rate Dips - Typically don’t last long! #interestrates #mortgage... https://t.co/7vZlX1DKa1 via @YouTube

[David Wakefield @dwakefield2]

How to Buy a Home with High Interest Rates (and Still Win) https://t.co/gnJOFZcCps via @YouTube

[David Wakefield @dwakefield2]

There are fears that an impending recession may cause home values to drop. Although counterintuitive, this graph shows how well home values have performed through the vast majority of recessions. #recession #homeprices #mbshighway #mbssocialshare #mortgagemarketnews #mortgage

[David Wakefield @dwakefield2]

🎄 Home for the Holidays!🎄

Imagine unwrapping the best gift ever—a mortgage approval for your dream home. 🎁🏡 Start the new year with a new address!

📞 DM me today to make it happen!

#MortgageApproval 🌟🎅🏡

[David Wakefield @dwakefield2]

@dreddcnc Good stuff!