Phil Cunningham
Producing Branch Manager
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NMLS ID# 659032
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Phil
With over three decades of experience in the Southeastern NC mortgage industry, I’ve had the privilege of helping thousands of individuals and families purchase or refinance their homes. Whether for primary residences, vacation homes, or investment properties, my extensive knowledge and experience enable me to provide customized solutions for each unique situation. A native of Charlotte, NC, I’ve called Wilmington home since 1987. I earned my BS in Finance from the University of North Carolina Wilmington’s Cameron School of Business in 1990. Outside of my professional life, I’m a devoted family man. I cherish spending time with my amazing wife, Debbie, our daughter’s family, and many grandchildren. Together, we enjoy everything our beautiful area has to offer.
I am licensed in: NC, SC
We had a wonderful experience working with Phil on our personal home purchase. Phil did an excellent job educating us throughout the process, clearly explaining our options and helping us feel confident in each decision. We also really appreciated his creativity in structuring things in a way that worked well for us. His communication, knowledge, and care made the entire process smooth from start to finish.
London S.
Verified Customer
August 27, 2026
Seamless. Little to no effort on our part required.
Scott S.
Verified Customer
August 23, 2026
Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!
Michael N.
Verified Customer
August 21, 2026
From the start, Phil maintained clear communication and helped ensure the entire end-to-end process ran smoothly. He was always available by phone or text—sometimes several times a day—to answer questions and provide clarification whenever needed.
Brian B.
Verified Customer
August 17, 2026
Phil did a great job explaining things along the way and walking us through every step. He is very personable and you can tell he truly cares.
Samantha N.
Verified Customer
August 16, 2026
Phil was amazing to work with.
Erica K.
Verified Customer
August 13, 2026
Phil went above and beyond to provide personalized advice and took the time to think outside of the box to get us the best situation possible
Meredith W.
Verified Customer
August 9, 2026
Getting it done so quickly after changing us to the buyers and keeping the same closing day.
Matthew W.
Verified Customer
August 8, 2026
It was a pleasure working with Phil his knowledge and expertise made this an easy experience. He was always available for any questions we had and helped us with an discussions. We would work with Phil no questions asked on our next purchase. Truly a pleasure working with him on our home purchase.
Goran V.
Verified Customer
July 15, 2026
Phil is a great guy very helpful, understanding, and always there if need anything. made the process easy. talks you step by step thru the process and gives great advice and helps you understand everything
Zane R.
Verified Customer
July 13, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.