Guaranteed Rate

Wilmington Mortgage Partner

RE/MAX Executive

Real Estate in the Carolinas

Guaranteed Rate

Rate prioritizes financial well-being, offering low rates, advanced technology, transparency, and excellent customer service to simplify the mortgage process. Founded 24 years ago, Rate has grown significantly, with over $35 billion funded in 2023, becoming a leader in digital mortgage innovation. Rate introduced industry-first solutions like Same Day Mortgageâ„¢ for 24-hour approvals, FlashCloseâ„¢ for streamlined closings, and the Rate Appâ„¢ for comprehensive financial tools. With a strong focus on innovation, Rate empowers customers and referral partners through user-friendly, efficient technology and a customer-centered approach that earns a 97% referral rate.

Tom O'Neill

​Tom O’Neill

VP of Mortgage Lending

NMLS: 2310527

tom.oneill@rate.com
(910) 520-3341 (Mobile)
(910) 473-5657 (Office)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
JD Terry

​JD Terry

SVP of Mortgage Lending

NMLS: 455169

jd.terry@rate.com
(910) 431-6082 (Mobile)
(910) 599-9064 (Office)

I started my career in the Mortgage Industry in early 2003. I wanted to work in a challenging industry with the opportunity to help others achieve their financial dream of owning their own home. I can not think of any other field where I would have the chance to help clients daily, with the largest financial decision of their lives at that time. With over 14 years of experience, I have developed a very enhanced knowledge of the mortgage process, and what it takes to deliver an experience like no other! My father served 26 Yrs. in the military, and my brother is currently on active duty. My experiences growing up in a military family have really enabled me to hone in on important characteristics that directly apply to my business. Being respectful, being timely, being committed to excellence, being appreciative for what you have, being trustworthy, and knowing that anything worth doing is worth doing it right the first time is just a few backbones to the way I approach my business for my clients and referral partners. I have lived in the Wilmington area since high school. I went to the University of NC at Wilmington where I received my BS and a minor in Marketing. I also met my wife, Beth, at UNCW as well. We have been married for 16 Yrs. and have three beautiful children; Emerson, Anderson, and Jackson. We love the Wilmington area and the surrounding counties! Where else can you have the beach, the intercoastal waterway, a vibrant and historic downtown, and the country all within 25 min? We truly are lucky to live and work where do! Every day when I come to work I am so excited to do what I love! Helping clients to buy their new home is such a rewarding feeling! I want to make sure that when we close I have a client for life, I want our clients to be able to rave about their experience and to feel like they are family. The home is where your heart is, and family is what makes it a home….
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Take The Next Step

Understanding your mortgage options is key to making informed decisions. Explore our mortgage website to learn about different loan programs, current rates, and how we can help make your home-buying journey smooth and stress-free.