GuaranteedRate - Mortgage Company

Charles Hoyer

Vice President of Mortgage Lending
7205 Wrightsville Ave, Suite 110, Wilmington, NC 28403
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NMLS: 211755
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From start to finish, Charles and the team at Guaranteed Rate made the buying experience smooth, efficient, and friendly. Hands down, working with them was the least stressful of the several home buying ventures I have been through. I strongly recommend Guaranteed Rate to all others!

Jeffrey S. | January 2018

From the very start, Charles Hoyer and his entire team were phenomenal to work with! Honestly I've worked with several other lenders for purchases and refi's, and though the process wasn't painful, Charles, Lori and Maria blew them out of the water. Charles worked with us on many options for a mortgage and even offered recommendations for paying things down and/or off. The entire team kept in touch and when i would send an email it was no more than 5 minutes usually to receive a reply. We...

Stephanie P. | August 2017

Charles Hoyer and his team were a pleasure to deal with! When our appraisal came back lower than we had expected, he found other options for us and still accomplished our main objectives while lowering our interest rate by two percent! He also took the initiative to find us better rates on our insurance and got it all changed over for us. I never asked a question that was not answered by Charles or one of his team members by the next business day, sometimes even on the weekend. I will...

Leigh W. - June | 2017

Charles Hoyer and his staff were very pleasant, professional, and easy to work with. Whenever I had questions, they were always available to help. Thanks again for the amazing customer service!

Mark V. | 05/05/2017

Our experience from day one was wonderful! Charles Hoyer was great to work with, talked and helped us through each step, and in the end made it possible to buy our first home. I can not thank him enough!

Christopher R. | 04/25/2017

I worked with Charles Hoyer and Lori James and they both made the loan process quick and easy. I would recommend them to any friend or colleague who was interested in obtaining a loan. They were both very professional and kept me updated the entire way through the loan process. I couldn't thank them enough!

Krystal K. - April | 2017

Charles Hoyer was outstanding!! This is the second time I've worked with Charles and I can't wait to work with him again....thank you Guaranteed Rate!!!!

Timothy M. | November 2016

Excellent service! Especially from Charles Hoyer who went over and above to help me with questions and overall explanation of process. I will definitely recommend Guaranteed Rate to others!

Shelley B. | November 2016

Working with Charles Hoyer has been fantastic! Him and the team have always been very responsive.

Jason B.

This was my second experience obtaining a Mortgage/Loan through Guaranteed Rate. As with the first, the second time was an extremely easy and smooth process. Charles Hoyer was always available, knowledgeable, and obviously a seasoned professional. I am sure there will come a time when I will need to utilize Guaranteed Rate's services again, and I will not hesitate.

James R. - Queen Anne, MD | AUG 2016

This was my second experience obtaining a Mortgage/Loan through Guaranteed Rate. As with the first, the second time was an extremely easy and smooth process. Charles Hoyer was always available, knowledgeable, and obviously a seasoned professional. I am sure there will come a time when I will need to utilize Guaranteed Rate's services again, and I will not hesitate.

James R.

Very positive experience, Mr. Charles Hoyer was excellent a true professional, all the reps. were very helpful.

Kenneth S.

Mr. Hoyer and his team led me through the whole process yet again. I have used Guaranteed Rate twice now and Mr. Hoyer has been absolutely golden in customer service and product knowledge. I really feel he worked hard for my business again.

Sebring L.

Charles was very patient with us - even when we switched to another lender -- who later bailed on us in the middle of the loan process! We called Charles and he was wonderful to work with and even helped us rush the loan through processing. He delivered on what he promised (when the other lender couldn't)!

Janeen H.

Working with Charles Hoyer made it easy and took the stress out of the process I had experienced with other lenders. Thank you to Charles and his team for all the support and hard work.

Dianna C. – Mission Viejo, CA | APR 2016

Nothing but good things to say...truly a great experience all around! Charles Hoyer was phenomenal throughout every phase from application through closing. The support staff involved with my loan approval were also very responsive and happy to answer any of my questions. My highest recommendation.

Patrick H. - Funded 4/29/16

Charles and his team were awesome. Very friendly and easy to work with and quick to respond. Thanks!

Kenneth S.

Just wanted to drop you a line and thank you for everything over the last several months. From our first conversation until the last email I have been so appreciative of the work you and your co-workers did for us. It means a lot that you were as patient as you were with us and my whole family is grateful. I will be sure to pass your name along to anyone I know or hear of that is looking to purchase a home. I hope everything is going well and that it continues that way. Thank you sir.

Thomas H.

You gave very good service, always returned my calls, answered all my questions,and kept me updated on everything. It was a pleasure doing business with you, and I appreciate the excellent service you gave me. If I see anyone looking to finance a home or refinance I will certainly recommend you.Thanks for the wonderful service you gave.

Ronald R.

Charles & Dana did a great job taking care of us.

Craig S.– PLAINFIELD ,IL | JULY 2015

It was a pleasure working with Charles Hoyer and if I do run into anyone in need of a mortgage, I would have no issues recommending him and Guaranteed Rate. Thank you again Charles for a smooth and successful process!

Vivian H. | Apr. 2015

Charles Hoyer's dedication was the reason I selected Guaranteed Rate.

Chi-yung C. – Rowland Heights, CA | Feb. 2015

I was shopping my home loan with three lenders at the beginning. When I needed to select between a local lender and Guaranteed Rate, it was my dedication of loan officer, Charles Hoyer, that made me select Guaranteed Rate!

Dennis C. – Rowland Heights, CA | Feb. 2015

Charles Hoyer was wonderful. Knowledgeable, efficient, and came through with everything promised. Terrific service, thorough and complete. Highly recommend Mr Charles Hoyer.

James R. - Queen Anne, MD | Dec. 2014

Charles treated me with respect and as a valued customer.

Sebring L. -- Encinitas, CA. | Nov. 2014

Charles was great, he helped save us money on a lot of the costs associated with closing. This was super helpful as this was our first purchase. I believe with Charles recommendations we saved almost 1,000 in fees. His recommendations for an attorney and home owners insurance really helped a lot and was appreciated.

Robert B. -- Reidsville, NC. 9/26/2014

About Charles

Charles Hoyer began his career in the mortgage industry in 2007 and over the past decade has built an extensive network of clients from all parts of the country. Charles has found success in the mortgage business for many reasons but most notably for always putting the customer first. This approach has allowed Charles to grow his business thanks to word-of-mouth referrals and customers that consistently return for their mortgage needs. Charles goal is to simplify the mortgage process for his customers and make the home loan process easy to navigate. He and his team thoroughly educate their borrowers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program.

Charles’ customer base ranges from first-time homebuyers to experienced investors who have worked with him on multiple loans over the years. He prides himself on listening to the needs of his customers and then offering guidance on the various programs available to them. By providing information specific to their situation, he believes he can put borrowers in a better position to make an informed decision for themselves and their families.

Charles graduated from Coastal Carolina University with a Bachelor of Science degree in Finance. He grew up in the suburbs of St. Louis, MO and currently resides in Wilmington, NC. He is a die-hard STL Cardinals fan and spends his downtime with his beautiful wife and two young children relaxing on the beach or enjoying local fare and entertainment. Charles makes himself available at all times so feel free to call at any time!

Charles interview Q&A

What are the top 3 misconceptions people have about the home loan process?
1.) The most common misconception people have is that you must put down 20% to buy a home: We have products for home buyers that allow for 100% financing of the purchase price. There are also options with 3% down payment, 3.5%, 5%, etc.. Rates on these programs are excellent and the most important thing is to find the loan program that best suits your needs. 2.) Another common misconception is that you need stellar credit to buy a home. In some instances you may qualify for a slightly lower interest rate if your credit score is “stellar” but many of the loan programs offered are geared towards those buyers with not so perfect credit. Banks want to lend money and if you are able to document your ability to make your payment and have a recent track record of responsible credit use – we most likely have a loan program that will work for you. 3.) Lastly, many potential buyers tend to think that is very difficult to obtain a mortgage. Getting a mortgage is difficult only if you are not prepared. Getting a Pre-Approval and having a realistic expectation of the documentation requirements and underwriting criteria makes the whole process much easier.

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