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NC - Wilmington

Branch Manager: Bill Haines
  • o: 910-794-8353
1630 Military Cutoff Rd, Ste 200, Wilmington, NC 28403
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NMLS: 827732
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TestimonialsCustomer testimonials Read more

Charles Hoyer was outstanding!! This is the second time I've worked with Charles and I can't wait to work with him again....thank you Guaranteed Rate!!!!

Timothy M. | November 2016

Excellent service! Especially from Charles Hoyer who went over and above to help me with questions and overall explanation of process. I will definitely recommend Guaranteed Rate to others!

Shelley B. | November 2016

Working with Charles Hoyer has been fantastic! Him and the team have always been very responsive.

Jason B.

This was my second experience obtaining a Mortgage/Loan through Guaranteed Rate. As with the first, the second time was an extremely easy and smooth process. Charles Hoyer was always available, knowledgeable, and obviously a seasoned professional. I am sure there will come a time when I will need to utilize Guaranteed Rate's services again, and I will not hesitate.

James R. - Queen Anne, MD | AUG 2016

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

Laura Ulshoefer was knowledgeable, hardworking and a pleasure to work with. This is a lady that can get things done. I appreciated all the hard work from her associates as well.

Joseph M. - Wilmington, NC | DEC 2016

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

Al Averell and his team did an amazing job with everything! Look forward to working with Al again for any future loans. Thank you for all your hard work to make this possible!

John Y.– Wilmington, NC | NOV. 2016

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

Greg was awesome during the loan process! It was nice to be able to upload all of our needed documents online and sign documents over DocuSign.

Thomas B. -Monroe, NC| SEP 2016

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


Here at Guaranteed Rate, we have a philosophy to “lend where we live”. We are dedicated to meeting all of your lending needs and are armed with a full array of loan products to do so. You will find that we strive for the industry leading value proposition for our loan officers, referral sources and customers at Guaranteed Rate, which is why we work by a set of Core Values. In our office, our priority is to put the customer first.

We are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. This is invaluable to both clients and realtors because it also allows clients to choose their own loan type, receive free credit scores from all three bureaus, securely upload and digitally sign your loan documents then receive a real online approval!

Our branch is looking to exponentially grow its production this year. So, if you're looking for new career opportunities, start with us! We hire the best of the best and are looking for new team members. Come grow with us!

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