Phil Cunningham

Branch Manager/Loan Originator
State Licensing
State Licensing
1427 Military Cutoff Road, Suite 201


Phil Cunningham

I have been in the Wilmington, NC mortgage industry for over two decades. During this time I have had the privilege of assisting individuals and families purchase and refinance their homes. From primary homes to vacation or investment properties, I have the knowledge and experience to assist you with your unique situation. I am a North Carolina native from Charlotte, NC and now reside in Wilmington, where I have lived since 1988. I am a 1990 graduate of UNC Wilmington and the Cameron School of Business. I am a devoted family man, and enjoy spending time with my incredible wife Debbie. I am passionate about my church and college basketball which is a requirement to live in North Carolina. I enjoy spending any free time at the beach! Community involvement is important to me, I am an active member in the Impact Club of Wilmington, which support local charities. I would love to share more details about how you can become involved! My business philosophy is simple: I try to treat each customer and referral partner like they are the only one I am working with at the time – that is the level of care and attention I provide. Creating raving fans is what I strive for. I want to make sure your experience is a positive one so you feel comfortable coming back to me for your future home financing needs and those of your families and friends. Whatever your mortgage needs are, I can help you. Feel free to contact me via email, phone or through my website. I look forward to hearing from you.

Mortgage Made With You in Mind

This calculator is intended for planning and education purposes only. The above figures are based on the numbers shown on the payment calculator. The interest rate, APR and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors. Chart data is for illustrative purposes only. Costs displayed here are not necessarily all inclusive and can vary based on numerous factors. Rates are subject to change without notice. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice and should not be used as your sole source of information.