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
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
Phil took care of the whole thing and made it very easy
Connor N.
Verified Customer
July 7, 2026
Phil is very knowledgeable, and made the process very eas
Nathaniel B.
Verified Customer
June 29, 2026
Phil is always very professional and willing to do anything to help the process go as smoth as possible. I will never use anyone other than Phil Cunningham. He is the absolute best at everything!!!
Crystal R.
Verified Customer
June 22, 2026
Phil is very knowledgeable and helpful. Was always available to answer any questions we had throughout the loan process. This is our second loan in 3 years with Phil and would not hestitate to use him again and recommend him to others.
Lisa T.
Verified Customer
June 16, 2026
Phil was instrumental from day one in our second home purchase. He took my call between closings on a busy Friday, and got our application started just a couple of hours later. He was so efficient that I didn't have time to compare with other lenders, but I honestly didn't feel the need to after recognizing the high level of service and thoroughness that Phil was going to provide. Our conversations were never rushed, and he always took the time to make sure I knew what was going and were things stood in the lending process. Phil became the point of contact who I communicated most with through the 21 day closing period, and I always appreciated his experience and advice. Working with Phil felt less transactional than most of my other interactions. I will 100% and without hesitation reach out to him for my future lending needs, and would recommend friends/family do the same.
Matthew B.
Verified Customer
May 19, 2026
Phil is absolutely wonderful! I initially reached out to him while he was out of town on vacation and he still took the time to help me with a short turn around time for my closing. His guidance and assistance throughout the process was very helpful.
Amanda K.
Verified Customer
May 14, 2026
Phil is the best! He is so knowledgeable and really helped guide us along the way.
Lindsay H.
Verified Customer
May 10, 2026
This is our second time working with Phil, he made the home buying process so easy. We would work with him again for any future home purchases and would definitely recommend him to others!
Amy A.
Verified Customer
April 26, 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.