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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
    S
    Susan H
    Pineville, NC
    Posted on November 3rd, 2025 12:51 PM
    Skip explains things so well and answered all of my dumb questions with patience!
    Reply from Skip O’Neal
    November 6th, 2025 01:44 PM
    I'm glad to hear that my explanations were clear and that I could address your questions with patience, Susan. It's important to me that you feel informed and supported throughout the process. If you have any more questions or need further...
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  • Encompass
    D
    Declan P N
    Charlotte, NC
    Posted on October 14th, 2025 10:33 PM
    Skip was fantastic throughout the entire process. Was very communicative and helped answers any questions at all times of the day.
    Reply from Skip O’Neal
    October 20th, 2025 07:33 PM
    I'm pleased to hear that my communication and support were beneficial to you during the process, Declan. It was important to me to be available to address any of your questions. Thank you for trusting me with your mortgage needs at Highlands...
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  • Encompass
    K
    Kelly A D
    Charlotte, NC
    Posted on October 6th, 2025 03:12 PM
    Skip is extremely responsive and knowledgeable. He helped us move quickly to be able to close on our first townhome and we appreciate all of his time.
    Reply from Skip O’Neal
    October 9th, 2025 03:39 PM
    I'm pleased to hear that my responsiveness and knowledge made a difference in your first townhome purchase, Kelly. It's always rewarding to assist clients in navigating the closing process smoothly. Thank you for acknowledging the effort. If...
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  • Encompass
    P
    Preston F
    Fort Mill, SC
    Posted on October 6th, 2025 11:48 AM
    Mulitple avenues to Help us achieve the rate and loan we needed
    Reply from Skip O’Neal
    October 9th, 2025 07:19 PM
    I appreciate your feedback, Preston. I'm glad I could assist in finding the right rate and loan for your needs. It's important to explore all options to ensure the best outcome. If there's anything else you need, I'm here to help.
  • Encompass
    L
    Lucille M B
    Charlotte, NC
    Posted on September 1st, 2025 01:09 PM
    Skip's experience, expertise, and personal attention made our mortgage process smooth and straightforward.
    Reply from Skip O’Neal
    September 4th, 2025 01:11 PM
    I'm glad that my experience and personal attention helped make your mortgage process smooth and straightforward, Lucille. Thank you for sharing your positive experience with Highlands Residential Mortgage, Ltd. It was a pleasure working with...
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  • Encompass
    M
    Michael B
    Cornelius, NC
    Posted on August 1st, 2025 11:38 AM
    Skip was amazing to work with! Made every step along the way nice and easy with clear and consistent communication and got it done quick! Would 10 out of 10 recommend!
    Reply from Skip O’Neal
    August 4th, 2025 11:39 AM
    Thank you so much, Michael! I'm really pleased to hear that you found the process smooth and seamless. Clear communication is something I strive for, and it's great to know it made your experience a positive one. Your recommendation is greatly...
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  • Encompass
    L
    Lauren W F
    Fort Mill, SC
    Posted on July 30th, 2025 02:24 PM
    Thank you, Skip, for a fantastic first-time homebuying process . Your dilignece , care , and support made all the difference to us. We are so thankful to have worked with you and look forward to partnering for all our mortgage needs.
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    Reply from Skip O’Neal
    August 2nd, 2025 02:25 PM
    I truly appreciate your kind words, Lauren. It’s wonderful to know that my diligence and care contributed positively to your first-time homebuying journey. Your gratitude means a lot to me, and I look forward to being a continued resource for...
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  • Encompass
    I
    Irving S D
    Charlotte, NC
    Posted on July 2nd, 2025 03:12 PM
    Skip listens very carefully, and that helps him know exactly how to utilize his vast experience and knowledge to match his client's needs.
    Reply from Skip O’Neal
    July 5th, 2025 03:12 PM
    I'm thrilled to hear that my attentive approach and expertise met your needs effectively. Thank you for your kind words and for choosing Highlands Residential Mortgage, Ltd. It was a pleasure assisting you.
  • Encompass
    V
    Vickie C
    Charlotte, NC
    Posted on June 21st, 2025 01:45 PM
    Skip did a great job of staying in touch on all matters. It was a good experience.
    Reply from Skip O’Neal
    June 24th, 2025 01:50 PM
    I'm glad to hear that you had a positive experience and that communication was effective throughout the process. It was a pleasure assisting you at Highlands Residential Mortgage, Ltd. Thank you for your kind words.
  • Encompass
    B
    Benjamin C
    Charlotte, NC
    Posted on June 19th, 2025 11:40 PM
    Skip provided great advice and was open to all of our questions and concerns
    Reply from Skip O’Neal
    June 22nd, 2025 11:43 PM
    I'm glad to hear that my advice was helpful and that I could address your questions and concerns effectively. Thank you for your positive review. It was a pleasure assisting you with your mortgage needs at Highlands Residential Mortgage, Ltd....
    read more
  • 3140 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.