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John Hester

VP of Mortgage Lending
1630 Military Cutoff Rd, Ste 200, Wilmington, NC 28403
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NMLS: 126852
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John has helped us numerous times with home purchases and refinancing. He has proven to be very responsive and creative in finding the best financing solution available. When there have been complex questions or hurdles in the process, John has found the right resources to resolve the questions quickly and accurately. He will certainly be my lender again for the next home or investment purchase.


John and his team were just simply fantastic. He was able to help me refinance and secure a jumbo loan at a great rate. The service and responsiveness were top-notch. I wholeheartedly recommend John to anyone seeking a traditional, ARM, or Interest-only jumbo loan.


John is a extremely knowledgeable professional. He went above and beyond to make sure that I had the best deal. He kept me informed of every step during the process. I had a great experience and would highly recommend his services.

Mary C.

I have known John Hester in a variety of capacities for many years. He assisted my wife and I in obtaining very favorable financing for our first home many years ago. He did not take advantage of our lack of knowledge in the industry and treated his fiduciary duty of bringing value to his customers very seriously. The title company and my real estate agent both were very impressed with John's knowledge base on the industry and his ability to find innovative solutions to complex problems....

Caleb Wilson - CPA

I have worked with John over the years and he is very knowledgeable in his field of lending and does what's best for his clients and their situation.

Rick Tortora - Real Estate Broker

John assisted me in obtaining a second mortgage and his service was superb. He is totally dependable, honest and attentive. I would recommend him to anyone seeking the best possible service.

Ulysses James

John is very professional and has great customer service!!!

Joel Kressler

I always enjoyed having John handle a loan for my clients because it was done professionally.

Brenda Carpenter - Realtor

John handled two loans for me. If a problem came up he walked me though the solution. John also found me the best rate. He is the only broker I would use.

James Ellenburg

John is one of the best Mortgage Professionals that I have ever worked with on a home purchase. He is excellent with the preparation and always does his best to get you the best rates.

Cindy Perry

John Hester has already been helpful and such an encouragement to my husband and I and we have not even started looking for a house yet! I'm so much looking forward to working with John in our journey to find our first home.

Lauren Cherlinczuk-Ruiz

I've had an incredible experience with John Hester. He assisted me when I purchased my home a year and a half ago. Even though I lived in Ohio and he lives in North Carolina his professionalism and customer service were second to none. I highly recommend John Hester.

Dave Kleffman

I am in real estate and have called upon John for assistance with solving mortgage issues for clients. John takes the initiative to locate financing when you think there is none available. I appreciate the fact that he is prompt in returning my calls and eager to assist. Thank you John.

Cheryl Moseley - Realtor

About John

John Hester has been in the mortgage industry since 1992 and with Guaranteed Rate since 2016. His exceptional team of mortgage professionals work with him to give each client an exceptional experience throughout the loan process. John has a vast amount of experience working with Conventional, VA, FHA, USDA and Jumbo loan programs.

John’s niche is working with borrowers needing Jumbo financing products.

5% and 10% down payment options are available with low reserve requirements on Jumbo loan programs. We also offer Adjustable Rate Mortgages “ARMs”, Interest-Only Jumbo ARMs, Investment Jumbo loans, Cash-Out refinances, and Non-Warrantable condos.

John has worked with many jumbo loan clients over the years needing low 5% and 10% down payment loans with low reserve requirements, Adjustable Rate Mortgages “ARMs”, Interest-Only Jumbo ARMs, Investment Jumbo loans, Cash-Out refinances, and Non-Warrantable condos.

Jumbo financing products

Jumbo ARM programs are very attractive with their lower interest rates and varying fixed terms of 3, 5, 7 and 10 years. Here are four reasons to consider an ARM program.

John has the ability to find financing for most borrowers. Being in a coastal beach community he sees a lot of demand for Second Home and Investment property financing.

He also has asset depletion programs available for borrowers with low incomes that have investments and savings and may be looking to purchase a retirement home. These types of programs are super for borrowers who may be retired and don’t report much income and have assets to support monthly payments.

We have many programs available to fit a wide range of needs. Some have no seasoning requirements for bankruptcy and foreclosure. Please contact John Hester to learn more about program requirements and restrictions. John is available day and evenings.

John interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have worked in the mortgage industry since 1992 when I started working in the accounting department at Sentry Mortgage Bankers in Vienna, VA. I transitioned into processing and originating and since then I have worked with almost every loan program available. For the past few years my concentration has focused on jumbo loan products however I have years of experience working with VA, FHA, USDA, and conventional loan products as well.
Who is your typical customer and what questions do they typically have?
My typical client is generally seeking help finding a great rate on a jumbo loan program with as little down as possible. They generally have questions pertaining to 95% LTV jumbo loans, Interest Only ARMs, and other programs and want to find the best rates available with a quick closing.
What specific steps do you use to help your customers find the best home loan for them?
Like a good physician, I ask a lot of questions to help me determine the best options for my clients. I am very happy to put my years of experience and knowledge of loan programs to work helping my clients find a program that best suits their needs.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage industry over 24 years and have won the Top producer award.
Tell us about a mortgage product that consumers may not be aware of?
I have a lot of clients interested in taking advantage of Interest-Only Adjustable Rate loan financing. These ARM programs offer a great way to help manage cash-flow. I also receive a lot of request for jumbo loans with a low down payment and Guaranteed Rate offers some of the best jumbo programs around.
What can borrowers do to insure a smooth mortgage underwriting process?
It is vitally important that borrowers are open regarding their finances and supply us with requested documentation as quickly as possible to help prevent closing delays. In today’s climate of regulations, we are required to explain and document bank deposits and sometimes expenditures as well. I greatly encourage borrowers to not make any new financed purchases before their loan closes. If a borrower purchases a new appliance or vehicle on credit we will not be able to close till our credit reporting company is able to verify the debt and our underwriting department has a chance to verify the debt to income ratios fall within lender guidelines. After application is made, our credit reporting company is continually monitoring the borrower’s credit for new inquiries all the way through closing and not just loan approval. A borrower will need to explain each inquiry before closing and will need to document any new loans which may delay closing.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
During my spare time I enjoy spending time with family. My wife and I have two children and we enjoy going to the beach, fishing, crabbing, kayaking and going on trips.
Tell us something that makes you unique or something wacky, yet interesting about you?
I graduated from Mount Vernon Nazarene University with a double major in business and accounting. I enjoy listening to classical and contemporary Christian music. I also enjoy playing the violin, riding dirt bikes, working with computer programs, and hope to, one day, finish getting my private pilot’s license which I started working on in college. I would also like to become more fluent in Spanish and French.

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