Phil Cunningham

Phil Cunningham

NMLS#: 659032 State Licensing
Branch Manager/Loan Originator

1427 Military Cutoff Road, Suite 201
Wilmington, NC 28403
My Zillow Reviews
"Phil made our purchase a joy! Professional, upbeat, trusting, understanding, and informative are only a few words to describe Phil and his team. Phil... more "
5.0/5.0
by Kevin & Maria
"Phil was professional and friendly from the outset. We were never in doubt as to what was needed and where we were in the application process. Our home... more "
5.0/5.0
by user318257


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.

Buy a Home

Whether you are a first-time homebuyer or have purchased a home before, we can help you throughout the mortgage process. We are here for you!

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Refinance a Home

If you already have found your dream home, Homestead Funding offers competitive rates for people who are looking to refinance their home.

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Renovate a Home

Finance or refinance a home in need of updates with one of our renovation programs. Options available to depending on the scope and type to your project.

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NMLS #

659032

State Licensing

Licensed in NC - # I-154741
Licensed in SC - # MLO - 659032


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