GuaranteedRate - Mortgage Company

Bill Haines

Branch Manager / VP of Mortgage Lending
7205 Wrightsville Ave, Suite 110, Wilmington, NC 28403
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NMLS: 70260
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TestimonialsCustomer testimonials Read more

Extremely flexible, customer oriented system and service. We are very satisfied with the whole team, especially with Bill Haines who made the whole process from the beginning to the end very easy for us. My wife and I will not even try to shop around when we are ready to buy our second property. All we will do is call Bill.... Thanks again, and wish you all the best!

Norbert C. – Wilmington, NC | APR 2016

Things moved seamlessly. We worked closely with Bill Haines and Sara Poole and they were always ahead of the game, making sure we were always prepared. If there were any problems I wasn't aware because the process was so smooth. Friendly and very very very knowledgeable staff. Easy to work with and so willing to go out of there was for customer service. Bill Haines and his crew made us very comfortable and went out of their way to make sure we were happy!

Kim Edward | May. 2015

Bill was awesome! He stayed on top of everything and kept in touch. His advice was great. The process couldn't have been easier!

Matthew M. – Hampstead, NC | Feb. 2015

Bill Haines and his team have once again exceeded our expectations. I wouldn't thinking of going anywhere else and will highly recommend to anyone I can. They make the process extremely easy and efficient.

Jason N. – Southport, NC | Feb. 2015

I have purchased 5 homes and several rental properties over the years, and this transaction with Bill Haines was the far and away the best experience we have ever ha, I’m really impressed. The best mortgage experience we have ever had. The whole process was easy and all involved were very professional. I appreciate all you help. Thank you.

James M. – Hampstead, NC | Dec. 2014

Bill Haines and his team were great to work with. They were responsive and everything went very smoothly. One of the best mortgage experiences I've had.

Teresa M. -- Calabash, NC 2/20/2014


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Bill interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the business since 1996. I was actually inspired to get in the mortgage business because of a very terrible experience I personally went through when trying to purchase my first home. After that, I decided I could do a better job for first time buyers, found a company that didn\'t do a lot of first time buyer loans and got a job there. Not only did I fill their void, but I was able to help a lot of people have a great experience.
What advice would you give new or first time home buyers?
A first time buyer needs to be patient. Everything in the process is new for them. When getting information, a person tends to think they understand, and move forward. Slow down, take a moment, and think about everything at least twice.
What part of the home loan process do customers find most difficult and how do you help them through it?
That window of time between hearing \"approved\" and leaving the closing table is a difficult time for most all borrowers. They seem to think that once they are approved, they can close. That is not the case, and borrowers start the stress build up. If we take a little extra time to explain the process a second time, right before we tell the borrower they are approved, it is a big help. Once the stress starts, anything they don\'t understand at the closing table is a compounding problem.
What provides you with the most satisfaction in your job as a Loan Officer?
I really feel satisfied, when the client gets to the closing table, and everything is exactly as they have been told. Repletion makes everyone feel better, and when the numbers match, the client is not only happy, but that is the real trust and bonding moment. I know right then, that I have done my job and delivered to the client.
Tell us something that makes you unique or something wacky, yet interesting about you?
When I first got in the mortgage business, I knew nothing. I was the biggest geek when it came to learning. I actually read every underwriting manual that was in the company I went to work for before I ever spoke to my first client. I was nervous, scared, and ready for Jeopardy!

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