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Skip O’Neal - Loan Officer | NMLS# 91400 | SC: MLO - 91400 | NC: I-109407 in Charlotte, NC

Skip O’Neal

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Loan Officer | NMLS# 91400 | SC: MLO - 91400 | NC:...

4.92
(478)
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Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture...... Show More
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Overall Ratings
4.92
(478)
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  • 5.0
    Encompass
    L
    Luz C
    Davidson, NC
    Posted on May 13th, 2026 02:02 PM
    Communiation and speed :)
    Reply from Skip O’Neal
    May 18th, 2026 08:51 PM
    I'm happy to hear that you appreciated the communication and speed, Luz. If there's anything more I can assist you with, please let me know.
  • 5.0
    Encompass
    M
    Michael D
    Charlotte, NC
    Posted on May 3rd, 2026 10:39 PM
    Skip kept us in the loop every step of the way and always answered every question we had and his team was prompt and helpful in every way
    Reply from Skip O’Neal
    May 7th, 2026 05:42 PM
    I'm pleased to hear that you felt well-informed throughout the process, Michael. It's great to know that both my team and I could assist you effectively. If you have any future questions or needs, please feel free to reach out.
  • 5.0
    Encompass
    L
    Leanna R
    Charlotte, NC
    Posted on April 26th, 2026 10:44 AM
    Working with Skip was an exceptional experience from start to finish. He managed every aspect of the mortgage process with professionalism, precision and efficiency. His expertise and attention to detail gave me confidence throughout the transaction....
    read more
    Reply from Skip O’Neal
    April 29th, 2026 04:08 PM
    Thank you for your kind words, Leanna. I'm glad to hear that my professionalism and attention to detail made your mortgage process a confident experience. I truly appreciate your recommendation and am here for any future needs you may have.
  • 5.0
    Encompass
    R
    Richard N A
    Belmont, NC
    Posted on April 24th, 2026 06:00 PM
    Skip O'Neal is very knowledgeable and always so very helpful in many ways. He is able to explain in great detail questions that may arise and also is very reachable at any given time. Also, he is able to explain the process and what is coming...
    read more
    Reply from Skip O’Neal
    April 27th, 2026 06:01 PM
    I appreciate your kind words, Richard. It's great to know that you found my explanations and availability helpful throughout the process. Thank you for recommending my services to others—I'm here whenever you need assistance.
  • 5.0
    Encompass
    C
    Carolyn C F
    Marshville, NC
    Posted on April 17th, 2026 12:03 PM
    The communication was wonderful.
    Reply from Skip O’Neal
    April 20th, 2026 02:52 PM
    I'm grateful for your kind words about the communication, Carolyn. It's important to me that you had a positive experience. If there's anything else I can do for you, please let me know.
  • 4.5
    Encompass
    D
    Dale L F
    Marshville, NC
    Posted on April 15th, 2026 06:42 PM
    Skip was very patient and professional! We very much like the in home closing!
    Reply from Skip O’Neal
    April 20th, 2026 06:38 PM
    I'm thankful for your feedback, Dale. It's nice to know that you appreciated both my approach and the in-home closing experience. If there's ever anything else you need, please don't hesitate to reach out.
  • 5.0
    Encompass
    M
    Merritt M P
    Charlotte, NC
    Posted on March 30th, 2026 01:18 PM
    Skip has financed several properties for me. I've received excellent service from him each time.
    Reply from Skip O’Neal
    April 2nd, 2026 01:18 PM
    Thank you for the trust you've placed in me, Merritt. I'm pleased to hear that each experience has met your expectations. Should you have any future financing needs or questions, I'm here to assist.
  • 5.0
    Encompass
    C
    Christopher T B
    Matthews, NC
    Posted on March 28th, 2026 01:47 PM
    Very professional and straightforward!
    Reply from Skip O’Neal
    March 31st, 2026 01:48 PM
    I appreciate your feedback, Christopher. I'm glad to hear you found the experience professional and straightforward. If there's anything more I can assist you with, please feel free to get in touch.
  • 4.83
    Encompass
    C
    Corey J R
    Charlotte, NC
    Posted on March 26th, 2026 12:06 PM
    Easy to complete. Good communication with Skip
    Reply from Skip O’Neal
    March 30th, 2026 06:59 PM
    I'm glad to hear you found the process easy to complete and that communication was effective, Corey. If there's anything else you need or further assistance required, please don't hesitate to reach out.
  • 5.0
    Encompass
    B
    Brian J
    Hampstead, NC
    Posted on March 10th, 2026 03:35 PM
    Fantastic communication and very easy to do business with. Fast and professional.
    Reply from Skip O’Neal
    March 13th, 2026 03:35 PM
    It's gratifying to know you found the communication effective and the process straightforward, Brian. Delivering fast and professional service is always a key focus for me. Should you need anything else in the future, please feel free to reach...
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  • 10 of 478
    About
    Highlands Residential Mortgage was created in 2010 in the midst of uncertainty and rapid change in the mortgage industry. A group of like-minded seasoned veterans came together to create a company with an employee-focused culture. A culture that values its members both personally and professionally and a company built on the idea that the customer comes first! We believe Highlands is such a place. Our Mission to value people drives everything we do.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
    VA Home Loan
    Jumbo Home Loan
    Mortgage Refinance
    Specialities
    Mortgage Lending
    FHA Loans
    VA Loans
    Government Loans
    Purchase Loans
    Refinance Loans
    First Time Homebuyer Loans
    Conventional Loans
    View All
    261
    /850
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    Positions
    • Highlands Residential Mortgage Ltd. - Loan Officer
      Feb 1st, 2018 - Current

    Time Zone

    Eastern Standard Time (EST)
    Licenses
    • NMLS # 91400,SC: MLO - 91400, NC: I-109407
    Disclaimer

    Equal Housing Opportunity

    An Equal Housing Lender | Highlands Residential Mortgage, Ltd is located at 950 W. Bethany Drive, Suite 800 - Allen, TX 75013. | NMLS Identifier # 134871 www.nmlsconsumeraccess.org | A Texas Limited Liability Company registered under The Texas Department of Savings and Mortgage Lending Division of Licensing | Operating with the following licenses: AL Consumer Credit License #21266; AR Combination Mortgage Banker-Broker-Servicer License #109369; Arizona Mortgage Banker License #BK-1011006; CA-Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, Finance Lender Licensee #4131240; CO Colorado Mortgage Company Registration #134871. Regulated by the Division of Real Estate.; DC Mortgage Lender License #MLB134871; FL Mortgage Lender License #MLD968; GA Mortgage Lender License/Registration #37908; IA Mortgage Banker License #2018-0120; IL Illinois Residential Mortgage Licensee NMLS ID MB.6761013R (www.nmlsconsumeraccess.org). License by the Illinois Division of Banking, 320 West Washington St., Springfield, IL 62786, (217) 782-3000.; IN-DFI Mortgage Lending License #30529; KS Mortgage Company License #MC.0025127; KY Mortgage Company License #MC390233; LA Residential Mortgage Lending License; MD Mortgage Lender License #06-20712; MI Licensed by the Mississippi Department of Banking and Consumer Finance #134871 / Minn. Stat. Ann. § 58A.20; MO Company License #16-2132; NC Mortgage Lender License #L-157614; NE Mortgage Banker License #NE134871; NJ-Licensed mortgage banker n.s.--N.J. Department of Banking #134871; NM Mortgage Loan Company License; OH General Loan Law Certificate of Registration #GL.502014.000; OH Residential Mortgage Lending Act Certificate of Registration #MBMB.850279.000; OK Mortgage Broker License #MB002229; OK Mortgage Lender License #ML010007; Oregon Mortgage Lender License ML-5891; SC-BFI Mortgage Lender / Servicer License #MLS – 134871; TN Mortgage License #115557; TX-Texas – SML Mortgage Banker Registration #134871 https://www.sml.texas.gov/ConsumerInformation/tdsml_consumer_complaints.html; VA- Virginia Broker License #MC-5729. Virginia Lender License NMLS ID MC-5729 (www.nmlsconsumeraccess.org) NMLS ID #40889VA; Pennsylvania Lender License #75616; WA Consumer Loan Company License #CL-134871. This is not an offer for extension of credit or a commitment to lend.