About Chris Hutchens
Chris graduated from the University of North Carolina at Wilmington's Cameron School of Business with a degree in Finance. Chris and his wife Sandy split time between Pinehurst and Wilmington, NC, enjoying both areas for what they each offer. When Chris isn't working he can often be seen running, playing basketball or playing golf. After graduating from college, Chris went to work for NationsBank (now Bank of America) and then began his career in the mortgage industry in 1997 with Alpha Mortgage Corporation. In 2013 Chris made the move to Rate. Chris now manages an office of several loan officers and many great support staff that have been with him for years. Chris has been recognized as NC's #1 Mortgage Lender many times and consistently among the tops in the nation year after year. Chris believes the mortgage process doesn't have to be complicated or difficult. Expectations must be set day one. With his vast knowledge of the industry, understanding of the process and an incredible, seasoned staff, his clients are handled with care all along the way. Once the loan is completed, his goal is to have a raving fan that can't wait to share their experience! His strong relationship with top realtors proves that he is a leader in the field. They know and trust his ability to help and guide their clients to closing easily and professionally.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Now available on
Located at 100 Magnolia Rd., Suite #2231 Pinehurst NC, 28374
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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