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Laura Ulshoefer

Vice President of Mortgage Lending
1630 Military Cutoff Rd, Ste 200, Wilmington, NC 28403
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NMLS: 70940
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The entire loan process was a breeze. Laura U. handled everything professionally and in a timely manner. I also spoke with Daniel in the Boston office and he was pleasant, professional and friendly. I have already recommended Guaranteed Rate to a friend!

Kim M., May 2016

We've had several mortgage loans over the years, but this one from Guaranteed Rate was by far our best application to closing experience. Laura Ulshoefer, Dana Person and the rest of the staff were professional and friendly and kept us up to date and informed about the progress of our loan every step along the process. Our loan was approved earlier than anticipated and we closed on time. I would certainly use Guaranteed Rate again and will recommend them to anyone that needs a mortgage loan....

Mark & Jeanie A.

As we prepare our 2015 tax returns it seems only right that we send a letter of thanks to you all in the Wilmington office, especially to Laura Ulshoefer and her dedicated co-workers. We were able to offer and close in a few short weeks on a fantastic property located on the Outer Banks. Thanks to our fast, efficient closing overseen by Laura Ulshoefer, we have rented our property for most of 2015. Thanks again to the Wilmington office for a job well done !

Bruce and Marianne Hendrix

Laura is the very best! She went beyond expectations!

Jimmy W. -- Carmel, CA 6/16/2014

Thanks Laura! This loan process was so easy and everyone was so pleasant to work with. So glad I found you thanks to my wonderful friend Pat, whom referred us. We'd be pleased to share our experience for potential customers of yours should you need a referral. Peace and blessings.

Sally & Chuck H. Oct 23, 2013

Laura- Thank you for your help with my Refi. That was the easiest home finance I have ever done. Hopefully I am one step closer to retirement! I will continue to tell friends about your services...the window on low mortgage rates is not gonna stay this wide open forever. Take care,

Greg M. 07/15/13

Hey check out the amazing review from Dawn about Laura! “Laura and her entire staff were simply great, always responding to my inquiries in a timely manner. I am a realtor and the most difficult part when referring buyers is lack of communication. Guaranteed Rate was great with communication!”

Dawn B. -- Wilmington, NC -- 02/2013

My wife and I have completed several mortgages with Laura. She really puts alot of time into her work, to assure that we are getting the best mortgage rate available. We would highly recommend her services to anyone looking to purchase or refinance.

Jeff and Jeanette Baltezegar - Wilmington, NC

About Laura

I attended East Carolina University and majored in business and marketing. I got into the mortgage business to help people with financing real estate. I love being able to find the perfect loan program for each customer, whether it be their first home, a vacation home or investment property.

Laura interview Q&A

Who is your typical customer and what questions do they typically have?
I enjoy working with a variety of customers. Wilmington is a resort area as well as a college town with a University. I help people with their mortgage when purchasing a vacation home. I also work with parents buying an investment property to house their child while attending college. And many clients simply relocate here because of the quality of life Wilmington offers.
What specific steps do you use to help your customers find the best home loan for them?
First I determine what my customer's goal is, and how long they plan to stay in the property. Next I ask the customer a lot of questions so I have all the necessary details. And then I run different scenarios to get them the best loan product at the best rate.
What advice would you give new or first time home buyers?
To get preapproved before going house-hunting. It is imperative to know how much you qualify for before you fall in love with a home only to find out you can't afford to buy it.
What are the top 3 misconceptions people have about the home loan process?
1. That their credit isn't good enough to qualify. 2. They need too much money for a down payment. 3. It takes too long and requires too much paperwork.
What can borrowers do to insure a smooth mortgage underwriting process?
There are several things borrowers can do to help insure that the mortgage underwriting process goes smoothly. Providing information in a timely manner and being sure they answer requests completely will greatly speed up the process. This enables the underwriter to provide loan approval so that a faster closing can be scheduled.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy outdoor activities, especially the beach, gardening and skiing. I like to travel and I enjoy gourmet foods!
Tell us something that makes you unique or something wacky, yet interesting about you?
As well as being a mortgage broker, I also have my real estate broker\'s license. I have a keen eye for what adds value to a home. I take pride in staying knowledgeable about all of the neighborhoods in the Wilmington market where my clients are purchasing or refinancing their homes. Something a lot of people don\'t know about me is I am an identical twin, and she is also my best friend.

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