Chris Hutchens

Branch Manager/Vice President of Mortgage Lending
1123C Military Cutoff Rd, Wilmington, NC 28405
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NMLS: 117377
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Chris and his team were very helpful and knowledgeable throughout the whole process. Usually mortgage lending is a tedious process, but we had a very pleasant experience with Guaranteed Rate and I would recommend them to anyone looking for a mortgage!

James A. | June 2018

Chris' team is top notch! Very professional but also genuine and approachable. They made me feel comfortable at every step by providing a thorough explanation of each loan stage with plenty of contact information in case of questions. The online portal made the application process a breeze and allowed me to share documents quickly and securely! I would absolutely recommend Guaranteed Rate to anyone looking for a residential mortgage partner. Thank you Chris, Jackie, Emily, Kelly & Nicole!

Meghan C. | June 2018

Chris was hugely helpful and his team walked me through the process.

Maxwell M. | June 2018

Great service. Everyone I worked with on the team was very responsive and helpful.

George A. - June | 2018

Chris Hutchens and his team were excellent. Chris is unbelievably quick with his email responses. Thank you!

Debra B. | May 2018

Chris and his team were amazing. Flawless execution of the closing in 27 calendar days,19 Business days and not once did I feel like I was being processed.

Darren S. - June | 2018

My husband and I are both realtors and we have worked with several mortgage companies over the years - Guaranteed Rate is the best! The team we work with is highly efficient, diligent and so friendly!

Laura B. | MAY 2018

Online portal for uploading documents was great. Made it very easy to keep track of what was needed and when.

Charles B. | May 2018

Working with Chris Hutchens and his team was a pleasure. They were right on top of everything and did a great job!

John R. | May 2018

Chris Hutchens and his team did an OUTSTANDING JOB! It was a slam dunk from start to close!!

Christopher M. - May | 2018

Chris made the journey of getting a mortgage very easy! I liked the way he has structured the process! They were all excellent at their jobs and very personable!

Lolyklara P.

The whole team was great from the beginning. Being out of state you guys helped us out a ton. Thank you!

Brent H. | April 2018

The team in Wilmington, NC was amazing! A special thanks to Chris Hutchens, Dorothy Adkins, Jackie Gale, Nicole Tschimperle, and Emily Costin. Thanks again!

Matt M. | April 2018

Loved working with Chris, Nicole and Deborah. They made it very easy for me to buy a property in NC even though I was out of State and in a different time zone. Great Job!

Todd B.

Excellent Job! Chris Hutchens is the real deal! He is the best at what he does and is super reliable and patient with the 17 sets of numbers he figured for me! He is friendly, clear and to the point! Emily Costin is great to work with as usual for the third time and takes the time to call us and explain what is expected of us throughout the process very friendly and professional! Keep up the good work! At our house when I’m looking for the best person in whatever field, I say “I need the Chris...

Phillip T.

Best home buying experience I've ever had!! Everyone on the team is on their game!!!

James M.

Your team is exceptional!! This is the second time in a few years you and your team have help us obtain a home. We asked for extra help in reaching an early closing and your team delivered. I can't imagine working with anyone else. We will spread a good word to our friends about your work. It is working with a friend!!! Thanks again.

Ken H.

Chris Hutchens was extremely knowledgeable and endlessly patient throughout our loan process. As the deadline for our loan closing drew near, Chris and his team members were there to motivate the Bank to quickly review our documentation, so that our loan closed without complication.

Laura S. - Charlotte NC | Feb. 2017

Chris Hutchens was very nice to work with. Very helpful, always available when needed. It was a very easy smooth process. Ran into no problems. Guaranteed rate is well organized and has friendly employees.

Lucas B. – Wilmington, NC | AUG 2015

Chris Hutchens was professional and easy to deal with and has assembled a great team to represent Guaranteed Rate. As we all know the mortgage process complicated, stressful and tedious and time consuming. The team at Guaranteed rate took the stress out of so much of the process with a professional yet casual approach. They followed up by telephone, e-mail and texts. They were always pleasant.

Vernon D. -- Wilmington, NC. | Nov. 2014

Chris and his team handled the shift without any negativity. They are professional and timely and excellent to work with! We will be life-long clients of Chris and recommend him to our friends and family. I have had two great experiences with Chris and his team and will return to work with them again!

Steven M. – Wilmington, NC | Mar. 2015

Christoher Hutchens was great as well was the support specialists who did a lot of work to bring it all together! From 1 to 10 I give a 25.

Lorraine O. – Rocky Point, NC | Feb. 2015

Loved Mr. Hutchens - intelligent and super dedicated :) Easy to reach, easy to talk with, and always there for us.

Ellen S. – Vienna, VA | Sep. 2015

After work with USAA Bank for over 6 months, we never seen a company jump into action the way Chris and his team did. We had loan approval within 10 days and time frame including two weekends! No matter the problems your office ran up against, they were solved quickly and competently. From start to finish, we never had any worries knowing your team was working on our behalf. Thank you for making our home-owning dream come true! Thank you for making us feel like family! Thank you all for having...

Thomas S. – Rocky Point, NC | Apr. 2015

Chris was very helpful and a pleasure to work with

David S. Wilmington, NC. 9/16/2014

Chris Hutchins did a GREAT job throughout the whole process. He was very prompt in answering any questions. Very smooth process!

Michael G. -- Willmington, NC. 9/26/2014

Chris Hutchens worked hard to earn the business...period! The final rate was slightly higher than some of the competitors, but I selected GR because I was more confident in Chris.

Robert D. -- Wilmington, NC. 9/11/2014

Chris and his team were just so professional and efficient and easy to work with in getting the loan-I would use them again and refer anyone who is looking to do a loan in the near future. It was easy…

Peter C. -- Wilmington, NC -- 10/1/2014

Chris Hutchens team was wonderful to work with. Chris, Emily, Jackie and Jeff were professional, informative and made the process easy.

Marlene U. -- Leland, NC -- 10/1/2014

the whole team did an amazing job! The whole experience was great. I can't thank them enough.

Jared T. -- 10/1/2014

Loved Mr. Hutchens - intelligent and super dedicated :) Easy to reach, easy to talk with, and always there for us. Through the entire process, we couldn't have asked for smoother conversations, effective team members, intelligent questions and total commitment to understanding our particularly different (and sometimes difficult) set of circumstances.

Ellen S.

Chris was simply outstanding! He was a clear and frequent communicator. He answered our many questions and set up an attractive loan package!

Jeffrey W. -- Suwanee, GA 6/30/2014

Chris is a great guy! Very genuine and wanted to help. The ability to sign documents online was great. The team was very organized and let me know exactly what I needed to get them which made the tedious process very easy.

Lyndsey S. -- Wilmington, NC 5/12/2014

I was VERY happy with the communication and the attention to detail. This is quite a professional and well-run organization. The loan was handled in a timely fashion -- all deadlines were met without issue. There were no surprises -- every step was explained in detail. I never felt at any time during the process as if I didn't know what was going on. I have not been disappointed at all. Taking out a mortgage is quite a weighty decision. Chris gave me the tools to make my own educated...

Barbara P -- Wilmington NC, 2/5/2014

Thank you so much!!! I was BLOWN away how quickly and smoothly things went with the loan.

Libby F.

Team Hutchens, just a quick note from Buffalo thanking Ya’ll for persevering through this rather difficult and exasperating transaction. After some 20 real estate closing under our belts (of one kind of another) over the years, this was one for the books. If it weren't for your outstanding diligence through the various twists and turns of this transaction, we most likely would have thrown the towel in on this one long ago. Thanks again for doing what you do

Mark L.

Chris is an excellent Loan Officer. We used him when we closed on our home. He was very professional and very knowledgeable in his field. He also got an excellent rate. Chris was also very timely and very friendly. He makes you feel like a friend rather than a client. I would recommend Chris and will defiantly use him again on future loans.

Shandra G.

Chris saved our loan when we were buying a home in Wilmington. Our lender backed out 3 days before close and Chris had us back on track and closed within 8 days. I highly recommend him to everyone. He is reliable and is able to do what he says he can and is honest and upfront.

Sarah M.

It is a pleasure to recommend Chris Hutchens. I am a real estate attorney, and over the years I have worked with many mortgage lenders. Chris stands out because of his knowledge and professionalism, and also because of his willingness to go the extra mile for his clients. I would never hesitate to refer anyone to Chris.

Jeff P.

Chris is a valued partner for my business. His knowledge and experience help make every transaction a breeze for my clients. He is very easy to work with and has many times taken time on his days off to call me or text me back if I am in need for a client. I work quickly and I like to work with others that do too. He is great at making himself available and quick response time. I can trust when Chris is handling my clients file they will make it to closing happy and on time. That is such an...

Shannon L.

Chris has provided superior service to many of my clients over the years. He is an expert in his field, highly responsive, detail oriented, and MOST importantly, he gets the job done.

Kirk P.

Boyles Law Firm, PLLC works with many, many lenders on a daily basis handling real estate purchase and refinance closings for clients. CHRIS HUTCHENS at Guaranteed Rate is hands down one of the very best. He's a knowledgeable, experienced straight shooter. I give CHRIS my highest recommendation.

M. Scott B.

Chris was recommended to us by our builder at the time and we were not disappointed. We had worked with a few other companies and the results were unfavorable. Chris was on top of the process from start to finish. Rarely can a mortgage lender facilitate with the expediency that Chris demonstrated.

Dale B.

Chris is an excellent business man whose knowledge of the lending industry is unparalleled. Chris always is on top of his clients and doesn't miss a detail. I work with Chris on all of my real estate transactions and my clients are very satisfied. When I call Chris on his cell on a Sunday he answers by saying, "What's up, Susan?

Susan H., Realtor

Chris is truly an expert in his field. I have used him personally and referred many clients to Chris over the years and he always does a tremendous job and is the consummate professional. I look forward to working with Chris for years to come both personally and professionally.

Kim F.

Chris came highly recommended from my partner at Do Good Real Estate, who personally used his service and keeps Chris on our short list of preferred lenders for our clients. As a happy customer, I consider Chris and his experienced team to be "the local area experts" and look forward to working again with them in the future.

John J., Realtor

Chris Hutchens has provided mortgage loans for many of our customers over the years and I highly recommend him for any type of mortgage needs. He is very detailed and keeps his customers, as well as the realtors and builders involved in the transaction, informed of the process and what can be expected from start to finish.

Robin H.

Chris is a wonderful mortgage professional and I wouldn't hesitate to refer my clients to him. When Chris gives ones of my buyers the green light to purchase, I know that they are indeed truly qualified and there will be no surprises along the way. Our transactions are smooth and easy.

Becky B.

The main thing about Chris and his work ethics is he treats you like he would want to be treated with honesty, kindness, facts, communication, answers when you call and if you have to leave a message..quickly responding, but most of all...he gets the job done! If Chris is not sure about something...he will first find out the answer immediately but secondly tell you the "real deal" especially with his expertise in the lending industry. I can not say enough nice things about Chris and would...

Bobby Jean H.

I did my first two mortgages with Chris Hutchens and I really didn't know good I had it until I moved out of state and could not use Chris for my third home purchase. Chris is an expert in the mortgage industry and is a pleasure to work with. His rates are always competitive, but with the level of service he provides, I would be willing to accept a higher rate just for the peace of mind that comes from working with him (but don't tell him that.).

Chris C.

Trusted advisor - those are the words that come to mind when I think of Chris Hutchens. Chris is someone that I know will help my clients make the best decision for them and also someone I trust completely with my own mortgages. He has helped me personally through a refinance and some mortgage planning on another investment property I own. His goal is clearly to build trust and relationships with those he works with and I am thankful to have him in my business network!

Bailey H.

I strongly recommend Chris for your next Home Mortgage or Refinance. I have been working for Chris for over 10 years and he has never let my clients down which makes this portion of my contract go very smooth. I appreciate Chris having a Team to take care of every question or call my clients have during the Home Purchase and/or Finance process.

Sherwood S.

Chris is an outstanding and top producing mortgage banker/ provider. I have known and worked with Chris for many years and he has always been exceptional. He is very knowledgeable and a great person on many levels.

Chris B.

I have known Chris for 20 years. He provides superior customer service with a sincere dedication to his clients. I highly recommend him.

Chase B.

Chris is an expert in the area of mortgage lending. I have worked with Chris in the past as a colleague as well as referred him business. He is always professional and is client focused. I trust Chris and know that he will take care of his clients and offer them the most suitable mortgage at the best possible rate.

Shannon K.

I highly recommend Chris and consider him to be an expert in lending, Chris and his team are fantastic, communicating quickly and getting results. Chris goes beyond the basics by being strategic in his thinking, asking great questions, and really listening. I've always walked away knowing I got the best rate possible.

Jim J.

Chris is very detail oriented. His diligence and knowledge are only surpassed by his work ethic. He sees everything through to the end and does not drop the ball.

F. Spruill Thompson

Chris has been available always and ready to help my clients on Bald Head Island. He is great with clients; a mortgage Broker you can depend on for good service and reliability. Great rates and good product. Thanks Chris for all your help.

Ginger D., Realtor

No matter when I call, text, drop in, or email you always are there to answer all my questions fast and efficiently. My clients and myself appreciate the large amount of knowledge you possess with always leading them down the right path with the mortgage that would best fit their needs. Guaranteed Rate is so very fortunate to have you on their team as my clients and myself are fortunate to have you on OUR team.

Debi B., Realtor

About Chris

Chris graduated from the University of North Carolina at Wilmington's Cameron School of Business with a degree in Finance. He lives in Wilmington, NC with his wife Sandy and three children Gracie, Maggie and Colby. When Chris isn't working he can often be seen running, playing basketball or playing golf.

After graduating from college, Chris went to work for NationsBank (now Bank of America) and then began his career in the mortgage industry in 1997 with Alpha Mortgage Corporation. In 2013 Chris made the move to Guaranteed Rate. Chris now manages an office of several loan officers and many great support staff that have been with him for years. Chris has been recognized as NC's #1 Mortgage Lender many times and consistently among the tops in the nation year after year.

Chris believes the mortgage process doesn't have to be complicated or difficult. Expectations must be set day one. With his vast knowledge of the industry, understanding of the process and an incredible, seasoned staff, his clients are handled with care all along the way. Once the loan is completed, his goal is to have a raving fan that can't wait to share their experience! His strong relationship with top realtors proves that he is a leader in the field. They know and trust his ability to help and guide their clients to closing easily and professionally.


Chris interview Q&A

How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage industry since 1997. I have been recognized as the #1 mortgage lender in NC many years and have well over $1 billion in lifetime mortgage origination.
How has the mortgage industry changed since you started, and what would you expect in the future?
The change has been dramatic. When I started, things were more closer to how they are now. Guidelines got very loose in the mid 2000's and now the pendulum has swung back to being very restrictive in mortgage lending. I feel like I have seen it all sides of it. My job is to set very realistic expectations with my clients up front so they are clear on what to expect throughout the process.
What can borrowers do to insure a smooth mortgage underwriting process?
I think listening to the advice of your lender up front. Clients who don't understand the "why" during the process are often not setting themselves up for a good experience. Good lenders ask lots of questions up front, then we need proper documentation to back it up. Our job is to build a bullet proof file and sometimes that comes with having to ask for more documentation than might seem necessary to some clients.
Summary of where you grew up: family, affiliations, college, high school, etc.
I am originally from High Point, NC but have lived in Wilmington, NC since 1989. I graduated from the University of NC at Wilmington with a degree in Finance and can't imagine living anywhere other than Wilmington. I have a wife, Sandy, and 3 children, Gracie, Maggie and Colby.

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