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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:...

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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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  • Encompass
    D
    Dennis L M
    Waxhaw, NC
    Posted on February 10th, 2026 03:00 PM
    Skip was great. He understood our issues and solved problems for us. Thank you Skip.
    Reply from Skip O’Neal
    February 13th, 2026 03:01 PM
    I'm glad to hear that I could help, Dennis. Understanding and resolving issues is central to how I work with my clients. If there's anything else you need or any questions you might have, please don't hesitate to ask.
  • Encompass
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    Zachary R B
    Matthews, NC
    Posted on December 28th, 2025 03:32 PM
    I appreciate Skip's availability and flexibility.
    Reply from Skip O’Neal
    December 31st, 2025 03:32 PM
    I'm grateful for your comments, Zachary. It's important to me to be available and flexible for my clients. If there's anything more I can assist with, please feel free to let me know.
  • Encompass
    E
    Erik M
    Charlotte, NC
    Posted on December 22nd, 2025 07:59 PM
    Great communication and was on top of things each step of the way
    Reply from Skip O’Neal
    December 25th, 2025 08:00 PM
    Your feedback is greatly appreciated, Erik. It's reassuring to know that the communication met your expectations and that everything was handled efficiently throughout the process. Should you have any further questions or need assistance, I'm...
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  • Encompass
    A
    Anne K D
    Charlotte, NC
    Posted on December 6th, 2025 11:33 AM
    Friendly and competent service
    Reply from Skip O’Neal
    December 9th, 2025 09:41 PM
    I appreciate your feedback, Anne. It's wonderful to know that you found the service both friendly and competent. If there's anything further I can assist you with, please feel free to reach out.
  • Encompass
    L
    Luke L
    Belmont, NC
    Posted on November 29th, 2025 02:11 AM
    Skip is the best
    Reply from Skip O’Neal
    December 2nd, 2025 06:36 PM
    Thank you for your kind words, Luke. I'm glad to hear that you had a positive experience. If there's anything else I can help with, please reach out at any time.
  • Encompass
    B
    Brian J
    Jacksonville, NC
    Posted on November 21st, 2025 12:04 PM
    Always a fantastic professional
    Reply from Skip O’Neal
    November 24th, 2025 05:37 PM
    I'm grateful for your positive feedback, Brian. It's important to me to maintain a professional standard, and I'm glad to hear it's made an impact on your experience. If you ever need assistance or have questions, don't hesitate to get in touch....
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  • Encompass
    K
    Kyle M
    Matthews, NC
    Posted on November 21st, 2025 11:18 AM
    Skip and team are great!
    Reply from Skip O’Neal
    November 24th, 2025 05:17 PM
    Thanks for the kind words, Kyle. I'm glad to hear that you think highly of my team and me. If there's anything else I can assist you with, just let me know.
  • Encompass
    T
    Tyler M
    Matthews, NC
    Posted on November 21st, 2025 11:12 AM
    Skip was very knowledgeable and helpful in our purchase!
    Reply from Skip O’Neal
    November 24th, 2025 01:58 PM
    I'm pleased to hear that you found my assistance valuable during your purchase, Tyler. Providing knowledgeable support is always my goal, so it's great to see it reflected in your experience. If you have any more questions or need further guidance,...
    read more
  • Encompass
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    Devin M W
    Gastonia, NC
    Posted on November 16th, 2025 04:49 PM
    Worked back and forth with multiple third parties I was working with to ensure that our paperwork was complete and the process was done on time. Was able to turn around a 3-week window for closing which was really really fast. Also gave very...
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    Reply from Skip O’Neal
    November 19th, 2025 04:50 PM
    I appreciate your feedback, Devin. Ensuring timely completion and keeping all parties aligned is something I focus on, so I'm glad the closing went smoothly for you. Providing the financial insights you needed was my pleasure, and it's great...
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  • Encompass
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    Lisa W
    Gastonia, NC
    Posted on November 16th, 2025 04:38 PM
    It's always a pleasure working with Skip! He is responsive and communicative and gets the job done!
    Reply from Skip O’Neal
    November 19th, 2025 04:38 PM
    I'm grateful for your kind words, Lisa. Keeping the lines of communication open and getting the job done are important priorities for me. I'm glad to know you feel that way. If you need anything else or have further questions, please don't...
    read more
  • 2130 of 486
    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
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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.