I began my mortgage career in 1987 after my mother in law purchased her first home. I witnessed how much joy she felt when her loan officer told her she was approved, and thought to myself that's a great way to affect a person's life. I left the restaurant business and went to work for that loan officer's company 30 days later.  Customer service, communication and integrity have been the path to my success. I have won customer service and production awards, and it's all attributable to building strong relationships in the real estate community, and providing great service consistently. I take care of people. I attended the University of Massachusetts, where I earned my bachelor's degree and played four years of lacrosse.   My wife an I are married 30 years and we have 3 children. We met at UMass.

VP of Mortgage Lending

Peter Martino is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Peter is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Peter at (847) 592-9540 for more information!

Peter Martino at Rate (NMLS #223010)

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….

Producing Branch Manager - SVP of Mortgage Lending

JD Terry is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, JD is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact JD at (910) 599-9064 for more information!

JD Terry at Rate (NMLS #455169)

In today’s market, finding your perfect home can be a challenge. But with our renovation loan programs, homebuyers can expand their options by including the cost of potential repairs into their mortgage. As a dedicated renovation specialist, I’ll assist you throughout the process, and many home types may be eligible including owner-occupied properties, second homes or investment properties. Best of all, as a homebuyer, you can unleash your imagination and transform any property to achieve its true potential.




 
Why choose a renovation loan? Renovating a fixer-upper can be the best strategy for finding the perfect home when there aren’t many options on the market. Homebuyers can fix a flawed property in the perfect neighborhood, while homeowners can enhance the value of their home without draining their savings.




 
The benefits of renovation loans include: • Low down payment, low fixed rate and a one-time close • Up to 6 months of mortgage payments may be financed into the loan to alleviate the worry of house payments during construction • Includes complete renovations such as kitchens, bathrooms, additions and garages • On major renovation projects, a consultant will oversee the process and act as a project manager to protect the homeowner




 
Contact me today to learn more about what projects are eligible for renovation financing





Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information.

VP of Mortgage Lending/Renovation Specialist

Mark Vernon is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Mark is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Mark at (910) 208-9036 for more information!

Mark Vernon at Rate (NMLS #191679)

Bryan is a new Loan Officer at Guaranteed Rate, he got his foot in the door mentoring under Chris Hutchens, a 20-year veteran in the business. Bryan comes from a strong customer service and hardworking background that has made him a perfect fit for Guaranteed Rate. He is passionate and determined in everything he does and will continue that mentality with us. Bryan is a North Carolina native and calls Wilmington his home. He is thrilled to be able to help people obtain the dream of owning a home. Having been through the mortgage process himself, he is aware of how unnerving it can be for every type of home buyer. His goal is to make sure every client that he works with has a positive experience.

Bryan is a new Loan Officer at Rate, he got his foot in the door mentoring under Chris Hutchens, a 20-year veteran in the business. Bryan comes from a strong customer service and hardworking background that has made him a perfect fit for Rate. He is passionate and determined in everything he does and will continue that mentality with us. Bryan is a North Carolina native and calls Wilmington his home. He is thrilled to be able to help people obtain the dream of owning a home. Having been through the mortgage process himself, he is aware of how unnerving it can be for every type of home buyer. His goal is to make sure every client that he works with has a positive experience.

AVP Mortgage Lending & Licensed Sales Assistant

Bryan Allen is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bryan is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bryan at (910) 473-5407 for more information!

Bryan Allen at Rate (NMLS #1716500)

A mortgage expert with over 15 years of mortgage experience. Whether its FHA, Conventional, USDA, VA, Jumbo or Non-QM financing, I have the tools, knowledge, and resources to help make your dreams a reality. I believe in treating my clients how I would want to be treated and being as transparent as possible in educating my clients whether they are purchasing or refinancing. My ultimate goal for each and every one of my clients is to make your experience one of the easiest mortgage experiences you will ever have and provide you the best service you will ever receive!

Corey Bates Sr is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Corey is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Corey at (910) 208-9032 for more information!

Corey Bates Sr Sr at Rate (NMLS #328082)

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.

Mortgage Originator

Melanie Stewart is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Melanie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Melanie at (910) 599-9124 for more information!

Melanie Stewart at Rate (NMLS #453452)

Let Us Guide You Home. Unlike many banking institutions, mortgages are our only business. What's in it for you? More loan choices, many with fewer restrictions – and that's just the beginning.  
We offer a growing range of home loan and refinancing options. These include:




* *First-time homebuyers with low down payment options
* *Conventional loans up to $970,800 or maximum individual county loan limits with as little as 5% down
* *Loans insured by the FHA, VA and USDA. *Max loan amount of $2.5mil on VA loans
* *Jumbo loans up to $3 million
* *Financing loans for renovations on primary homes, second homes and investment properties
* *Non QM loan solutions for borrowers who require a non-traditional approach to home financing  
Feel free to contact me directly through my website, www.rate.com/kevinschatz, and use the secure online application to get started with no costs or commitment. After you have applied, I will call you to discuss your financing goals to tailor multiple options for your review. I understand real estate is not sold M-F 9-5 pm so you may contact me in the evening hours and weekends by phone, text or email for personalized service and advice. I strive to make sure the mortgage process runs smoothly from start to finish. Put the Rate team and I to work for you. I look forward to the opportunity to earn your business.

Kevin Schatz is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kevin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kevin at (571) 488-8094 for more information!

Kevin Schatz at Rate (NMLS #659505)

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. With 20 years in the mortgage business 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. I grew up in Los Angeles, CA and raised my family in Northern Virginia so I can lend in all 50 states.

Gleyde Schatz is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Gleyde is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gleyde at (703) 431-7531 for more information!

Gleyde Schatz at Rate (NMLS #240840)

Reverse Mortgage Specialist

Dale Maddocks is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dale is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Dale at (910) 238-3430 for more information!

Dale Maddocks at Rate (NMLS #2233862)

Tom O'Neill is your Wilmington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tom is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tom at (910) 473-5657 for more information!

Tom O'Neill at Rate (NMLS #2310527)

Wilmington

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about Rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at Rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.rate.com/insurance" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us </strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/@Rate_Official"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/rate_official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/rate-official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://x.com/Rate_Mortgages"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/official.Rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Rate Logo"
                            data-src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            width="98"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
<p>
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
</p>
<p>
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. 
</p>
<p>
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
</p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2025 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


10 Loan Officers Wilmington, NC