Explore mortgage options with O'Keven Financial
Your premier mortgage lender located in Hobbs, New Mexico. Our highly experienced loan officers take pride in finding each of our customers the most competitive rate available for their home financing needs.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
What our clients are saying
-
I really appreciated Ryan's work ethic through the process. There were times that (after clarifying it was okay to do so) we worked at 9 pm so there was no... read more
Travis Briggs
If you’re looking to buy a home, Ryan Davis is the person you want to work with!! We can’t say enough great things about him and O’Keven Financial! Out of... read more
V Reyes
Ryan O'Keven was an absolute miracle worker! He is a true professional and an expert in his field. His guidance was instrumental in us closing on our mortgage, and I... read more
Mike Norton
-
As a Realtor I have worked with many lenders. Ryan Davis with O'Keven Financial is at the top of my list. He has made every transaction very smooth... read more
Haley Kinney
Ryan helped get myself and my 2 children into the home of our dreams! I am so thankful for his professionalism and ability to run numbers to fit our needs.... read more
Crystal Putman
It was a pleasure to work with Ryan Davis. We just finished up with a purchase of a home and Ryan assisted us with our financial needs. We appreciate Ryan... read more
Lisa Robinson
-
Ryan is AMAZING!!! Professional and caring all wrapped up in one intelligent capable person!!! Highly recommend!!!
Angela Feaselman
So helpful, every step of the way! Highly recommended!!!
Jamie Galindo
One phone call to Ryan Davis who pointed me in the right direction to clean up my debt to ratio in order to buy a house! A few months later... read more
Amy O'Boyle
-
Ryan Davis helped me with every step of the buying process. I had no clue how much went into everything, and he made this 100% stress free for me.... read more
Amy Grado
Yesss all the above!! We were very blessed with Ryan’s support & help with the whole process, made buying our new home so much easier! Thank you Ryan for all... read more
Sonia Tarin
Jaime was able to help us get the loan for our house way faster than the other bank we were working with. Thank you Jaime
M C
