Phil Cunningham
Producing Branch Manager | NMLS# 659032
University of North Carolina Wilmington
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
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Business Hours
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9 AM to 5 PM
Sat
closed
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closed
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Thank you Phil and his team for a seamless purchase experience.
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
I'm really grateful for your kind words, Julie. It was a pleasure to assist you with your purchase and I'm thrilled that you found the process seamless. Everyone here at Atlantic Bay Mortgage Group shares the common goal of ensuring our clients...
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Phil truly cares about the client and truly cares about providing the best possible advice and service to client and the agent. His knowledge of the loan process and his communication are superior. When you work with Phil, you know you're getting...
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Reply from Phil Cunningham
March 5th, 2025 08:15 PM
Thanks as always Chris! You always refer the best clients! You make it easy!
Phil made it great
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
So are you Kevin!
Pete K
Bolivia, NC
Posted on August 18th, 2023 02:11 PM
Updates each step of the way and well, working with Phil is always like Tony the Tiger says, "Grrreeaat!"
Reply from Phil Cunningham
March 5th, 2025 08:15 PM
It is easy when you work with friends and professionals like you Pete! Thank you for the kind words. Looking forward to the next one.
Very thorough. Responsive and knowledgeable. I was treated like someone Phil had known for years.
Professional handling of details
Phil and his people were always on top of every aspect of the financing . Good people and always there to answer any questions
The Wilmington branch of Homestead funding is an absolute pleasure to work with. The entire mortgage process was incredibly smooth. Phil always made sure I was in the loop and was always responsive.
Phil and his team were wonderful to work with throughout our beach home purchase. In addition to the promptness and professionalism of his office team members, Phil is a clear and proactive communicator. To pick up the phone at a moment's notice...
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Phil was great to work with! He was always there when we needed him. He helped us every step of the way. Does a great job of communicating. Highly recommend!
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Specialities
Second Home and Investment Property Expert
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Education
- University of North Carolina WilmingtonFinanceBachelor of Science (BS)Aug 1987 -Jun 1990
Year Started
1995
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 659032
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.