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Adam Slack

Vice President of Mortgage Lending
1630 Military Cutoff Rd, Ste 200, Wilmington, NC 28403
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NMLS: 203603
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Adam Slack and his team were exceptional throughout the entire loan process. The online documentation was very convenient, while still being thorough. Adam was very knowledgeable and he, and his team, were available to help whenever we needed any questions answered or any advice.

Sean D. - Leland, NC | AUG 2016

I was working a very busy and erratic schedule throughout the entire process and Adam Slack did a terrific job of keeping me updated on things as they came up. He was on top of things the entire time which led to a quick and easy close.

Patrick N.- Wilmington,NC | MAY 2016

Second time I have obtained my mortgage loan from Guaranteed Rate. Adam Slack is great to work with and the entire team is professional, friendly and helpful. Thanks so much!

Deborah H.- Wilmington, NC | MAY 2016

Adam is the man! He made it all easy I am going to push more military business his way. He is considerate and understands the needs of military personnel

Justin W. – Fairfield, CA | Feb. 2015

I truly recommend Adam Slack as the utmost efficient and honest Mortgage Lenders one could dream of. Having Adam's guidance and expertise while shopping for a home loan is one marvelous and productive experience. we consider Adam for all our loan needs

Enrique F. - 2/2015

This is the second time I have used Guaranteed Rate. The first time it was because they were suggested by our realtor. This time I chose to use them on my own because I needed a pre-qual letter fast and I was getting a mortgage on an additional home so I knew it could be tricky. They were so incredibly fast and easy to work with that it made this a breeze. In fact, at my closing both my realtor and the closing attorney praised Guaranteed Rate and Adam Slack for being so easy to work with and...

Kelly N. - Goldsboro, NC | APR 2016

Adam and Audra were amazing to work with. They were both very responsive to any questions or concerns I had. I feel they both went above and beyond to help make the loan process go as smoothly as possible. My experience overall was great. Adam and Audra made the process as easy as possible. Anytime I had any concerns or questions they were very quick to respond and help. Guaranteed Rate has the best customer service of any company I've ever dealt with.

Kristyn H. – Leland, NC | May. 2015

Adam Slack is the most proficient person I have had the pleasure of working with. Every question posed to him was answered almost immediately in every area. He helps one to feel secure and well informed. My husband Tim and I are very pleased with your company thus far and would highly recommend it to anyone looking for a loan. I think in closing, it's the customer service that made the difference.

Elaine S. -- North Chesterfield, VA 5/7/2014

Adam is awesome and always makes the process smooth and easy! He was very proactive in his dealings!

Brad O. -- Wilmington, NC 7/22/2014

We have already recommended Adam Slack and his team. Our process was swift and smooth. We would not have been happier at the closing table. Their team worked around the clock to ensure the thorough processing of our loan. We are grateful to have had such a smooth process and the awesome team Adam Slack has!!

Fidel L. - Wilmington, NC | MAR 2016

“As a realtor I have worked with many of the top lenders through my clients. But when it came time to choose a lender for my personal home loan there was only one choice for me. Guaranteed Rate and specifically Adam Slack in Wilmington, NC. He was on the ball and got me approved and closed in 3 weeks. It seemed effortless to me but I know there were many people working behind the scenes to make it happen. My favorite thing about Guaranteed Rate is the online guide where I can watch the...

Cathi A., Realtor – Wilmington, NC -- 5/2014

"It was a challenge, but we got it done with Adams thorough and professional help and we closed on the day promised."

Alvin B. -- York, PA. -- 12/2012

"Adam Slack was great! He made the process simple and painless!"

Brian F. -- Charlotte, NC. -- 6/2013

"Good rates...attentive service. Able to do everything remotely....sent lawyer to me, rather than the other way around."

Rosemary S. -- Hilton Head Island, SC. --3/2013

“The customer service we received was phenomenal. The timeframe in which we started the process and we actually closed was astronomical. Everything went very smooth and everyone we dealt with was polite and informative.”

William S. -- Rock Hill, SC. -- 2/2013

"Adam and Audra went above and beyond the call of duty to make this loan happen and get us the best rate around. Everyone was polite, professional and easy to work with."

Melody G. -- Elizabeth City, NC. -- 1/2013

“They gave us the best offer out of everyone! It was very smooth and easy with no problems at all. I've already given the number to someone looking to start the mortgage process.”

Matthew W. -- Willmington, NC. -- 3/2013

"We really appreciated the service from Adam during the recent refinancing of our mortgage. We had tried our then-existing mortgagee and several banks, to no avail. No one seemed willing to "dig a little deeper" to find a way to help us. Adam was recommended to us by someone else who was in the mortgage business! His follow-up was prompt and his attitude was positive. He was at all times professional, clear, and undaunted if any problem arose. He had the know-how in the business to make it...

Phil and Trish E. -- Wilmington, NC -- 9/2011

"When we were looking into refinancing Adam called me with information and wasn't at all pushy like some of the other companies who also contacted me. We were very happy with his service and for being thorough answering all our questions. He explained everything very clearly. All the charges are just as they were presented. It was a pleasure doing business with Adam and Guaranteed Rate. We would go to Adam again for a mortgage. I recommended Adam to my daughter for her refinance."

Tim and Sue C. -- Burlington, NC. - 9/2011

Adam has shown us that obtaining a home can be easier than ever. He is both positive and truthful. Adam has given me ideas I would not have thought of doing. He knows the business and is friendly and respectful which is refreshing. I look forward to doing business with Adam.

Jeannie F. - 9/2014

"As a first time buyer in NC, I didn't know what to expect. Thanks to Adam and his capable team, I was able to accomplish all that needed to be done in a timely manner. They were very detail oriented and everything was explained in simple terms for me to understand. The best ~ very knowledgeable with the process. Providing me with documentation prior to closing made the transition very easy because I knew what to expect. It went quickly and very smoothly. The team was readily accessible with...

Louise B. -- Owings Mills, MD. --

If we were to start this process over again, we would without a doubt still choose Guaranteed Rate as our mortgage broker firm, while gladly recommending Adam Slack and his services to friends and family.

Richard and Brittany -- Charlotte, NC -- 9/2011

"As a first time buyer in NC, I didn't know what to expect. Thanks to Adam and his capable team, I was able to accomplish all that needed to be done in a timely manner. They were very detail oriented and everything was explained in simple terms for me to understand. The best ~ very knowledgeable with the process. Providing me with documentation prior to closing made the transition very easy because I knew what to expect. It went quickly and very smoothly. The team was readily accessible with...

Louise B. -- Owings Mills, MD. -- 9/2012

"We had our reservations about using a firm that was not local but they were short lived, due to the attention, commitment, and dedication that Adam showed us. Our questions and concerns were immediately addressed and the level of communication they provided to us was world class on all levels. I constantly found myself in communication with Adam beyond "bankers hours". I can't say enough good things about Adam and the team. The information obtained from Adam was explained clearly, in a manner...

Richard and Brittany -- Charlotte, NC -- 9/2011

"Two years ago after a sticky divorce primarily due to financial matters that nearly left me bankrupt after having perfect credit all my life. It has been a couple of very rough years for me trying to bring my credit back to what it once was. I desperately needed to refinance, but it was continually denied due to credit woes. Adam was recommended to me by a coworker. After a quick credit review, I had hope. Adam continued to work diligently on my behalf. Adam went beyond the call of duty and...

Angie D. -- Greensboro, NC. -- 10/2011

I just wanted to take this time to say thank you very much for your "can do"� attitude on our home loan. Thanks once again and if anyone asks about mortgages I recommended you first and will always look forward to doing business in the future."

Vicki and Stevie H. - Fayetteville, NC. - 10/2011

Just finished the closing. Everything went very smoothly, all thanks to your efforts and those of your colleagues. Thank you!!!

Roy - February 2012

Just want to thank you for the work you put in to my refinance. It was easier than I thought it would be and the results surpassed my expectations. I will recommend you to all my friends and family.Thanks Again!

Duane D - April 24, 2012

I worked with Adam on the Purchase of an investment property. I would recommend Adam to anyone that is looking for a mortgage! Adam has knowledge and experience that anyone can benefit from! My Clients were very happy with the service they received!

Jordan C. - 10/2013

“It was great, we were able to secure a lower monthly mortgage rate with no out-of-pocket costs. I haven't seen any direct ads for Guaranteed Rate; I used Lending Tree to put me in touch with several lenders; I picked Guaranteed Rate because Adam Slack did a fine job of answering my concerns and questions and gave me several mortgage options for my re-fi when I contacted him.”

David H. -- Little Switzerland, NC. -- 2/2013

"Adam was available to answer all my questions and was always available to help me understand the details of the process. Great service!"

Matthew K. -- Chicago, IL. -- 9/2012

The closing went quite smoothly and very excited to have my new home! Both Mike Humphries (Keller Williams - Realtor) and the attorney Greg McGibney said that you were a "breath of fresh air" to work with. Your work was impeccable! And you were very through. Great compliments you received. They both said I would like to work with such a professional every day... I certainly appreciate all the help in helping me obtain this loan. I will certainly recommend you to anyone that I know that needs...

Betty S - October 2012

"I appreciated the clear communication with a well-established process and integrity of process"

Adam M. -- Oxford, NC. -- 3/2013

"The whole process was very quick and easy and will save us tons of money over time!"

Pryor C. -- Charlotte, NC. -- 4/2013

"Adam Slack was very professional and was very responsive seven days a week! It was a very professional experience, he delivered exactly as promised."

Patrick O. -- Harbinger, NC -- 4/2013

"Adam Slack was a model employee and did a great job walking me through every step of the loan process. I have already recommended his services to family members and would do business with him again at any time. All of my scores are based on the exceptional service Adam provided As stated, he worked hard to meet my needs, answer any questions that I had along the way and make my loan as smooth and pain free as possible."

Martin P. -- Wilmington, NC. -- 4/2013

Hey check out the amazing review from Dale about Adam! “Thank you Adam for handling my refinance projects!I had given up on having it done but the money you saved me made it all worth wild. Please continue helping others, thanks again!" https://www.facebook.com/guaranteedRate1

Dale B. -- Littleton NC -- 01/2013

Hey check out the great review from Michael about Adam! “The communication between Adam Slack and us was very clear, consistent and helpful. All questions were answered promptly and thoroughly and we were directed through several different loan options with clear accurate assistance. Thanks again for all your hard work Adam!”

Michael W. -- Mills River, NC -- 03/2013

Hey check out the glowing review from Deborah about Adam! “I cannot express my gratitude for the professionalism, courtesy, promptness and knowledge of the staff in particular Adam Slack. He was amazing! I was always kept informed of the status of my loan and promptly notified if I needed to provide additional information or documentation. My loan was approved, processed and closed so quickly. This was by far the best experience I have had with a lender and I have purchased numerous homes....

Deborah H. -- Wilmington, NC -- 03/2013

"The entire staff that I interacted with was superb! Adam was always available to answer any questions and responded in a timely manner."

Crystal T. -- Wilmington, NC. -- 6/2013

"Adam was excellent, knowledgeable and very nice and his team were great as well. We kept putting off refinancing because of all the hasslesin the past but they kept us informed the whole way and helped keep the process so smooth. Great Work Guys!"

Alicia W.-- Fayetteville, SC-- 5/13

"Awesome transaction! Everyone I worked with was very efficient and professional. Thanks again to Adam Slack and all for all their work in such a wonderful job."

Joan A. -- Wilmington, NC -- 6/2013

“I couldn’t ask for a better Loan officer! My experience was very pleasant, they worked really hard to keep the loan moving through the process. It was very reassuring that everyone took the time and walked me through the whole process holding my hand the whole way. Adam and his team made it easy, they did all the work. I’ve only heard word of mouth about Guaranteed Rate and it has always been all good, I highly recommend working with them.”

Kathy G. -- Graham, NC. -- 7/2013

"Adam Slack was very knowledgeable and returned our calls almost immediately. We would highly recommend him to anyone looking for a home loan. We also liked the fact that we were reassured that we did not have to worry because everything we got updates on how things were progressing. We are very satisfied with service provided to us! Thanks!"

Ralph H. -- Huntersville, NC-- 8/ 2013

About Adam

Adam Slack has been a licensed loan officer since 2008 and with Guaranteed Rate since 2011. His exceptional team of mortgage professionals work with him to make sure that every client receives the quality and attention that his referral sources have come to expect. Adam has produced over $60,000,000 in closed loan volume for 2015 with an average of over $5,000,000 in volume per month. Adam and his team are respected by the real estate community for a high level of honesty, integrity and customer service. Adam was Guaranteed Rates #1 loan officer in both Wilmington and in North Carolina number of closed loans for 2015.

Adam interview Q&A

Who is your typical customer and what questions do they typically have?
I have an extremely wide variety of customers including first time home buyers, retirees purchasing their dream vacation home or second home, and even investors looking to maximize their return on investment through income producing rental properties. I don\'t just offer purchase loans as many of my customers are refinancing now in order to take advantage of the historically low interest rates. Furthermore, I am well versed in the guidelines of all of the well known and little known mortgage products in order to find my customers the very best fit for their needs. I offer the VA Interest Rate Reduction Loan (VA IRRRL), FHA Streamline, USDA, Conventional JUMBO, Fannie Mae\'s Home Affordable Refinance Program (HARP 2.0), and Freddie Mac\'s version of the Home Affordable Refinance Program (HARP 2.0).
How long have you been in the mortgage business? What awards have you won?
I have been a licensed loan officer since 2008. I have my clients and Realtor relationships to thank for being awarded the Top 1% Originator award and a President's Club recipient for 2013, 2014 and 2015.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
This is a hot topic in today's lending environment and I often discuss the differences between a fixed rate and adjustable rate mortgage with my clients. Usually, an adjustable rate mortgage will have a period of time where the rate is fixed, after which, the rate will become variable and subject to change. Generally, the shorter the fixed in period of the ARM, the lower the rate will be. The question on whether to get into a fixed rate mortgage or an adjustable rate mortgage often depends on how long you intend on staying in the home. If you do not intend to stay in the home for over 5 years it may be wise to consider the benefits the lower payment the adjustable rate mortgage can provide. This is usually very popular with the military where assignments and military stations at different bases change periodically. It is important to check the floor rate, adjustment margin, yearly adjustment cap, and the index where the mortgage is calculated from. An adjustable rate mortgage can serve as very beneficial for certain customers in certain circumstances, however, interest rates for fixed rate mortgages have never been lower. I always discuss the pros and cons of both the fixed rate and adjustable rate mortgage with my clients.
What can borrowers do to insure a smooth mortgage underwriting process?
I always try to set the right expectations up front with my clients. The lending environment has gone through some drastic changes over the past few years and things continue to change. Fannie Mae and Freddie Mac are the two Government Sponsored Entities (GSE's) that put forth underwriting guidelines for mortgages in the United States. Because of recent changes there will be items required that were never required when someone may have purchased their last house or refinanced several years ago. I try to explain that certain items are required so mortgages are "investment grade" and we do not make the same mistake twice with the mortgage meltdown that took place several years ago. That being said, it's fairly easy to get a mortgage even by today's standards. The difference is, the customer has to put forth a little work up front and be thorough and detailed in compiling the list of items needed to process the refinance or purchase transaction. If the work is done up front and most importantly, in a timely manner, the process will go smoothly and we will take it from there!
Summary of where you grew up: family, affiliations, college, high school, etc.
I am from the Charlotte, North Carolina area and moved to Wilmington, North Carolina to attend the University of North Carolina at Wilmington. I graduated Magna Cum Laude from the Cameron School of Business with a Bachelor's in Finance and Business Administration. I am still actively involved with my fraternity Chi Phi. I stayed in the Wilmington area after college and worked for Wells Fargo Home Mortgage directly after graduating. Shortly after leaving Wells Fargo I joined the Guaranteed Rate team! I love the Wilmington area which lets me pursue my passions of wakeboarding, deep sea fishing, and surfing!
Tell us something that makes you unique or something wacky, yet interesting about you?
When I'm not working I love to exercise, play tennis, surf, wakeboard and go deep sea fishing.

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