{"id":1446,"date":"2023-02-24T00:37:32","date_gmt":"2023-02-24T00:37:32","guid":{"rendered":"http:\/\/gator4099.temp.domains\/~mypnwbro\/?page_id=1446"},"modified":"2023-02-24T00:38:30","modified_gmt":"2023-02-24T00:38:30","slug":"odva","status":"publish","type":"page","link":"http:\/\/mypnwbroker.com\/?page_id=1446","title":{"rendered":"ODVA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1446\" class=\"elementor elementor-1446\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0e9ff84 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0e9ff84\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d64e595\" data-id=\"d64e595\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7db7f74 elementor-widget elementor-widget-heading\" data-id=\"7db7f74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">ODVA<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c27cc6e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c27cc6e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-643ce2d\" data-id=\"643ce2d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-741fa3a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"741fa3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9f23b7 elementor-widget elementor-widget-text-editor\" data-id=\"a9f23b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The ODVA Home loan is a conventional mortgage offered by the Oregon Department of Veterans Affairs exclusively to Oregon veterans. The ODVA funds the program through the issuance of tax-free, state obligation bonds called Qualified veterans Mortgage Bonds (or QVMB) which allows the department to offer subsidized rates that are often lower than federal VA rates.\u00a0 The program does require a 5% down payment and does require mortgage insurance (unlike the traditional VA loan) but does not require a funding fee.<u><\/u><u><\/u><\/p><p>The ODVA services the loan for the life of the loan! This is a benefit for the borrower in two big ways. First, the borrower will have a local Oregon contact as it is serviced through their office in Salem, Oregon, unlike federal VA mortgages which are often sold to different services through the life of the loan. The second big benefit is that because the ODVA funds and services the loan, they are able to offer more flexibility with their underwriting. The ODVA follows the Fannie Mae guidelines but is able to make adjustments and exceptions that are not possible with the federal VA or conventional loans making it possible for veterans to get a loan that might not otherwise be possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>ODVA The ODVA Home loan is a conventional mortgage offered by the Oregon Department of Veterans Affairs exclusively to Oregon veterans. The ODVA funds the program through the issuance of tax-free, state obligation bonds called Qualified veterans Mortgage Bonds (or QVMB) which allows the department to offer subsidized rates that are often lower than federal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-1446","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ODVA - Mortgage Broker | Portland | PNW | Associated Mortgage Brokers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/mypnwbroker.com\/?page_id=1446\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ODVA - Mortgage Broker | Portland | PNW | Associated Mortgage Brokers\" \/>\n<meta property=\"og:description\" content=\"ODVA The ODVA Home loan is a conventional mortgage offered by the Oregon Department of Veterans Affairs exclusively to Oregon veterans. 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