Adam is a licensed loan officer with Guaranteed Rate, which is currently the #3 non-bank retail mortgage lender in the U.S. (Scotsman Guide Top Volume 2018). He was ranked as the #1 Guaranteed Rate loan officer in the Wilmington, Jacksonville, Hampstead and Greater Wilmington markets in 2016, according to GR Production Reports. He and his team consistently attend seminars and training to stay up to date with the most recent Underwriting Guidelines to the ever-changing mortgage industry in order to provide his clients with the most expert and up to date information and service available. Adam was born in Burlington, NC. After moving to Monroe, NC Adam attended Sun Valley High School. Adam moved to Wilmington, NC in 2003 to attend the University of North Carolina at Wilmington, where he graduated with a Bachelor of Science in Business Administration with a concentration in Finance. Immediately upon graduation Adam began his career in real estate as a loan officer, obtaining his license in 2008 and joining Guaranteed Rate in 2011. Adam has built his business on the core concept of “treat the client exactly how you would want to be treated”. This core concept translates into his team having a variety of loan programs and products available in the marketplace, competitive rates and fees, and spending the time with the client up front to make sure they have a solid understanding of all of the different options available for a particular scenario to feel comfortable in the loan process. Adam really enjoys the mortgage business and takes great pride in his company Guaranteed Rate. When he isn’t working with clients, Adam enjoys surfing, paddleboarding, wakeboarding or simply relaxing on the boat on the Intracoastal Waterway. Enjoying the amazing Wilmington weather during the summer on the water is Adam’s favorite pasttime. He also enjoys spending time with his dog, California, and his family who now live in Lexington, NC.
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.