Josh Hartman Loan Officer

09/21/2026

Sound familiar? 🏠🔑

Many homeowners today are holding onto rates well below where the market sits now — and its reshaping housing decisions nationwide. But "staying put" doesn't mean your options are frozen too. Whether it's a HELOC, cash-out refi, or just understanding what your equity can do for you, let's talk about what's possible.

Message me and let's chat. 📲

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09/19/2026

5.0 star review received on Experience.com for Josh Hartman by Carolina T - It was a great experience because I interacted with such an amazing soul and good hearted person named Josh. Through the process Josh never missed a beat, made sure we had all doumentation needed. Great with communication, timing and energy. Made the process very easy, I would 100% work with Josh and his team again.

Click to see all 252 reviews of Josh Hartman - OVM with AnnieMac Home Mortgage, Mortgage Loan Originator | NMLS # 1131382

09/17/2026

Homeownership can give you the opportunity to build equity over time while creating more stability in your housing costs🏡

For many buyers, it’s not just about where they live today, but what owning a home can mean for their financial future

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09/15/2026

🏡✨ Ready to experience the benefits of refinancing? As a loan officer, let me break it down for you! 📝💰

Refinancing your home may lead to lower monthly payments, reduced interest rates, and potential savings in the long run.

Take control of your finances and explore the possibilities today! 💪🔑

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09/14/2026

5.0 star review received on Experience.com for Josh Hartman by Oluwatobiloba O O - Communication

Click to see all 251 reviews of Josh Hartman - OVM with AnnieMac Home Mortgage, Mortgage Loan Originator | NMLS # 1131382

09/11/2026

25 years later, we still remember. Never forget 🤍

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09/10/2026

Before you fall in love with a home, it’s important to understand how the details could affect your financing and overall budget 🏡

From property condition to HOA costs, what you learn about a home can influence the bigger financial picture.

If you’re getting ready to buy, send me a message and let’s make sure your financing is ready when the right home comes along!

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09/09/2026

"Should I hold on to my 2.75% interest rate?" 🏠

Great question — and it's one a lot of homeowners are asking right now. A rate that low is genuinely valuable, but "holding on" doesn't have to mean "do nothing." Depending on your goals, options like a home equity loan/HELOC, a cash-out refi on just a portion of your equity or even keeping the home as a rental while buying elsewhere can let you access equity or move without giving up that rate entirely.

If you're weighing your options, I can walk you through what actually makes sense for your situation 📊

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09/07/2026

To the buyers, the agents, and everyone working toward something bigger. Today we celebrate the effort behind every homeowner. Happy Labor Day!

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09/05/2026

On International Charity Day, we're looking back at 10 incredible years of our annual Charity Bash. This video is a throwback to last year's celebration 🎥. A decade of generous hearts, unforgettable nights, and real impact for our community.

Save the date for Year 11:
📅 October 8th
📍 The Shack in Virginia Beach
⏰ 6-9pm

🎟️Tickets: ovmslegacyfoundation.com

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