Ira Hines, NMLS # 457650

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United States
Virginia Beach, VA
Ira Hines, NMLS # 457650

Contact me today for all of your mortgage loan needs! 757-478-2022

With 27+ years in the mortgage industry, I help homebuyers win in competitive markets and support realtors with financing strategies that get deals to the closing table—clean, fast, and with no surprises. My primary focus is purchase business, working side-by-side with agents to structure strong, competitive offers and guide buyers confidently from pre-approval to closing. I bring clarity, speed, and ex*****on to every transaction—because in today’s market, that’s what wins. I serve clients from the Outer Banks down through the coast of Florida, with deep experience in second homes, coastal markets, and VA financing.

◆ Purchase-Focused Lending (VA, FHA, USDA & Conventional)
◆ Strategic Offer Structuring & Pre-Approval Strength
◆ Trusted VA Loan Expert for Realtors & Buyers
◆ Clean Files, Strong Approvals & On-Time Closings
◆ Realtor Partnership & Ongoing Education
◆ Mentorship & Development for New Loan Officers

While purchase is the priority, I also advise homeowners on refinance and equity strategies when it supports their long-term financial goals. I’m proud to be a realtor-first lending partner—focused on communication, consistency, and ex*****on—and I’m equally passionate about mentoring the next generation of loan officers who want to build their business the right way. If you’re a buyer ready to make a move, a realtor looking for a lender who knows how to win, or a loan officer looking for guidance—let’s connect.

📱757-478-2022 text/direct
[email protected]
https://hinesmortgageteam.com
Personally licensed in NC | VA | TN | FL
NMLS #457650
http://www.nmlsconsumeraccess.org

Equal Housing Opportunity
OVM Financial With AnnieMac Home Mortgage
NMLS 338923

10/31/2026

Happy Halloween! Whether you're trick-or-treating with the little ones or holding down the candy bowl, enjoy every spooky minute of it.

10/29/2026

With Rate Relief, the seller buys down the rate on the home, creating a lower monthly payment instead of a price cut. It’s a home-specific advantage that helps the property stand out with below-market financing. ⭐

Interested in using it on your listing? Let’s connect.

10/27/2026

The housing market might have a few spooky surprises, but navigating your mortgage doesn't have to feel like a trip through a haunted house! 👻🏡

I'll help you make sense of your financing options, understand your buying power, and create a plan that fits your budget. Ready to stop being haunted by the what-ifs? Send me a message and let's get your homeownership journey started! 🦇

10/24/2026

5.0 star review received on Experience.com for Ira Hines by Mark G - Ira Hines is the greatest professional we've ever encountered.
She educated us on the process, explained every step and what to expect. She answered every call, every text; she taught us to better use technology too. She anticipated out questions and made us feel as if our purchase was just as important to her. We are blessed to have had the opportunity to make a dream come true with Ira Hines.!! Thank you

Read more: https://experience.com/reviews/ira-hines-457841/e5de46b6-2a67-4709-aec8-677e6584a3bb?V=1792856493&utm_source=facebook&utm_medium=autopost&utm_content=13777721

10/23/2026

A 2-1 temporary buydown can lower payments during the first two years, giving buyers a little extra room to settle in. Want to see how it works? Send me a message!

10/21/2026

More than 6 in 10 Americans think they have to put 20% down to buy a home, but that misconception could make homeownership feel further away than it actually is 🏡

There are loan programs with a variety of down payment requirements, and knowing what options you may qualify for can give you a much clearer picture of your path to buying.

10/20/2026

POV: you’re making your loan officer very happy⭐🏡

Getting preapproved before you shop, knowing what monthly payment actually works for your budget, asking questions about your loan options, and checking in before making any big financial moves? Actual gold star behavior.

Financially prepared and keeping your loan officer in the loop? 10/10, no notes. 🤌

10/17/2026

5.0 star review received on Experience.com for Ira Hines by William M B - The communication was concise and accurate very helpful

Read more: https://experience.com/reviews/ira-hines-457841/3c1c93f9-a2ff-4a98-800b-951b6632edc6?V=1792249937&utm_source=facebook&utm_medium=autopost&utm_content=13757395

10/16/2026

Every build has enough moving parts. Our Builder BluePrint team handles all types of construction loans, from a one-time close construction-to-permanent loan to all the varying construction end loans🏡

🔑 Keeping every step in-house from start to finish, helping keep your projects on track.

📲 Let's talk!

10/12/2026

Saving for a down payment doesn’t have to feel overwhelming 💡

The key is knowing how much you’ll need and creating a plan that fits your lifestyle. I can help you understand the numbers—like how much to save and which loan programs might lower that goal.

Let’s map out a strategy so you can reach your homeownership dreams faster 🏡✨

Send me a message and we’ll build your savings roadmap together!

Address

5040 Corporate Woods Drive, Ste 101
Virginia Beach, VA
23462

Website

https://ovmfinancial.com/lo/irahines/

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