Ira Hines, NMLS # 457650

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

06/26/2026

Most programs stop when risk shows up. BNSL Express doesn't. Agents, stop losing deals to uncertainty, start closing with confidence. Close with Cash2Keys!
https://myoc.io/6P7BI

5.0 star review received on Experience.com for Ira Hines by Jared J W - Ira  is  the  best!!!
06/19/2026

5.0 star review received on Experience.com for Ira Hines by Jared J W - Ira is the best!!!

Click to see all 32 reviews of Ira Hines - OVM with AnnieMac Home Mortgage, Mortgage Loan Originator | NMLS # 457650

One of the biggest misconceptions about buying a home is that there's only one way to come up with a down payment. 🏡 The...
06/17/2026

One of the biggest misconceptions about buying a home is that there's only one way to come up with a down payment. 🏡

The reality is that buyers often use a variety of resources to help make homeownership possible, depending on their unique financial situation.

Understanding your options early can help you create a plan that feels achievable and aligned with your goals. If you're wondering what may be available to you, send me a message and let's talk through your home financing options!

🚨Attention Realtors🚨What if you could walk into every deal knowing the close is guaranteed and your commission is covere...
06/15/2026

🚨Attention Realtors🚨What if you could walk into every deal knowing the close is guaranteed and your commission is covered? With Cash2Keys, your close is guaranteed, and if your buyer doesn’t purchase and the seller doesn't pay the buyer's agent commission, Cash2Keys pays it, up to $25,000! Let's talk about what this looks like for your next deal.


Cash2Keys® Cash2Keys is the registered service mark of Analytical Sciences Marketing Group, LLC. 'Cash Offer’ and 'Buy Now, Sell Later' and 'Cash Bridge' programs are fulfilled by AnnieMac Private Equity Cash2Keys (Cash2Keys), an affiliate of AnnieMac Home Mortgage (AnnieMac). Cash2Keys is not a financial institution and does not originate or issue loan commitments. You must be pre-approved by AnnieMac Home Mortgage for each program's income and collateral requirements. You are required to pay all transfer taxes associated with the purchase of the home. AnnieMac Cash2Keys reduces or eliminates contingencies in the purchase contract. If the buyer does not terminate the agreement under a permitted contract contingency or term, AnnieMac Cash2Keys will purchase the property if the buyer is unable or unwilling to do so. Contract terms that allow a buyer to terminate may include, but are not limited to, contingencies such as septic inspection, home inspection, appraisal, and condominium warrantability. Visit anmac.me/cash for terms and conditions. For complete licensing information, please visit: www.annie-mac.com/page/licensing.

🏡 Thinking about buying a home?Getting mortgage ready starts with understanding your credit score and gathering importan...
06/08/2026

🏡 Thinking about buying a home?

Getting mortgage ready starts with understanding your credit score and gathering important documents like your ID, proof of income, and bank statements. Being prepared can help make the process smoother and keep you one step closer to homeownership.

Have questions? I’m here to help. Let’s connect! 💬

Buying vs. renting? It's a decision everyone faces. 🏡Homeownership offers benefits like building equity, creating stabil...
06/03/2026

Buying vs. renting? It's a decision everyone faces. 🏡

Homeownership offers benefits like building equity, creating stability, and investing in your future. If you're wondering whether buying is the right move for you, I'm here to help answer your homebuying questions every step of the way.

Before we start, here's what I want you to know: preparation matters more than perfection, the right guidance changes ev...
06/01/2026

Before we start, here's what I want you to know: preparation matters more than perfection, the right guidance changes everything, and I work with programs designed to help you compete, even in tough markets. Let's set you up right.

Today we pause to honor the brave men and women who gave everything for the freedoms we hold close, including the one to...
05/25/2026

Today we pause to honor the brave men and women who gave everything for the freedoms we hold close, including the one to call a place home. We remember ❤️🤍💙

This weekend, we remember the heroes who gave everything for OUR freedom. 🇺🇸❤️🤍💙Thank you to all of our Veterans, active...
05/22/2026

This weekend, we remember the heroes who gave everything for OUR freedom. 🇺🇸❤️🤍💙

Thank you to all of our Veterans, active military, and the families who sacrifice right alongside them.

Wishing everyone a safe and meaningful Memorial Day weekend.

And if homeownership is part of your plans this weekend — I’m here for you all weekend long.

📞 757-478-2022
🌐 http://hinesmortgageteam.com 🇺🇸

Address

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

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