Originator Portrait

Bob Wharton

Branch Manager NMLS #: 291120

11820 Fountain Way Suite 502
Newport News, VA 23606
(757) 683-0136

Bob Wharton

Branch Manager
NMLS: 291120

Bob Wharton

Bob was born and raised in Newport News, where he graduated from Menchville Highschool and has been a lifelong member of St. Andrews Episcopal Church. He went on to play college baseball at Campbell University and Eastern Carolina University, where he graduated in 1995. While at ECU, he met his wife of 25 years, Melanie.

Together they have three children - Maggie (22), Bobby (21), and Libby (18), as well as a golden retriever named Banks. Bob is proud to say that family is the most important part of his life! He enjoyed coaching his kids' teams and attending all their activities as they were growing up.

Bob leads our Newport News branch as Branch Manager and has been a Loan Originator for 15 years. He is also a founder and partner of Crab Shack on the James and James River Fishing Pier. In his free time, he enjoys fishing, skiing, golfing, hunting, attending live concerts, and cooking with his wife. "I truly love working with my clients and helping them make their homeownership dream a reality through honesty and integrity. Many of my first-time homebuyers in the past have purchased several homes through the years. I have enjoyed watching their family and careers grow. I am honored they have entrusted me to guide them through the biggest investment of their life."



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OVM Financial Team is now Powered by AnnieMac Home Mortgage!

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From blogs to guides and access to our mobile app, you'll always be armed with the knowledge you need to stay well-informed about your loan.

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Our mission is to provide you with industry-leading customer service each and every day. Reach out to us, even after your loan is signed, sealed and delivered!

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Mortgage loans come in many varieties, just like our customers. That's why we offer a wide assortment of products with unique benefits, terms, and requirements.

The 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.

The 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 payments and credit scores than many conventional loans.

The VA Loan

Created by President Franklin Delano Roosevelt as part of the original Servicemen’s Readjustment Act of 1944, VA loans help create homeownership for service members who sacrifice so much for their country, yet don’t have a fair chance to establish a credit rating because of their service.

The 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”.

Purchase Quiz

There’s no need to guess if now is the right time for you to buy a new home or refinance your current mortgage. Instead, take our simple 60-second quiz!

Education Center

We understand how stressful mortgage process can be, so we created an education center filled with information to help you better understand the ins and outs.

Are you a first-time home buyer?

That fact alone might get your best offers ignored by homeowners, but just because you’re starting from scratch doesn’t mean you should give up on the home of your dreams – and that’s where this program evens the odds!

At AnnieMac Home Mortgage, we want you to have a fair shot at owning a home your family will love. That's why we've partnered with AnnieMac Private Equity Cash2Keys to provide access to two groundbreaking programs that give both new and existing homeowners a smooth, stress-free path to your ideal homes.

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