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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
    M
    Michael D
    Charlotte, NC
    Posted on May 27th, 2025 01:52 PM
    Skip and his team were with us through the entire process . They stayed in contact and helped make the process as easy and simple as it could possibly be. They folowed followed up along the way and even just before closing and after closing...
    read more
    Reply from Skip O’Neal
    May 30th, 2025 01:56 PM
    I'm thrilled to hear that you had such a positive experience with us at Highlands Residential Mortgage, Ltd. It was our pleasure to assist you throughout the process, and we're glad we could make it as smooth and straightforward as possible....
    read more
  • Encompass
    L
    Linda H
    Charlotte, NC
    Posted on May 24th, 2025 12:10 PM
    Skip is a great communicator and keeps my clients informed the whole step of the way. He is alsways avaialable to answer any questions. Linda Henley
    Reply from Skip O’Neal
    May 27th, 2025 12:23 PM
    I'm thrilled to hear that you find my communication effective and that your clients feel informed throughout the process. Being available to answer questions is important to me, and I appreciate your feedback. Thank you for your kind words,...
    read more
  • Encompass
    K
    Kristina H K
    Fort Mill, SC
    Posted on May 11th, 2025 12:53 PM
    Skip is always very helpful and attentive. Very easy to work with.
    Reply from Skip O’Neal
    May 14th, 2025 12:55 PM
    I'm thrilled to hear that you found the experience helpful and attentive, Kristina. It was a pleasure working with you, and I'm grateful for your positive feedback.
  • Encompass
    S
    Sherry A
    Rock Hill, SC
    Posted on May 8th, 2025 10:49 AM
    The team had great communication .
    Reply from Skip O’Neal
    May 11th, 2025 10:51 AM
    I'm glad to hear that our team's communication met your expectations. It was a pleasure assisting you, and your feedback is greatly appreciated.
  • Encompass
    B
    Brook K M
    Charlotte, NC
    Posted on April 28th, 2025 11:57 AM
    Great communication, seamless process and no surprises.
    Reply from Skip O’Neal
    May 1st, 2025 12:00 PM
    I'm thrilled to hear that you had a seamless experience with great communication and no surprises. It was a pleasure assisting you at Highlands Residential Mortgage, Ltd. Thank you for your kind words and for choosing us.
  • Encompass
    A
    Angel H
    Union, SC
    Posted on April 10th, 2025 04:53 PM
    Thankful for the great work to get it to closing!
    Reply from Skip O’Neal
    April 13th, 2025 04:55 PM
    I'm glad to hear that you are satisfied with the work leading up to the closing. It was a pleasure assisting you, and I appreciate your feedback.
  • Encompass
    J
    Joseph M S
    Charlotte, NC
    Posted on April 8th, 2025 12:09 PM
    Skip is very knowlegdeable and hepled us in a situation that ws not quite the norm. Always on top of communication and keeping us updated.
    Reply from Skip O’Neal
    April 11th, 2025 12:10 PM
    I'm glad to hear that I could assist you effectively, especially in a unique situation. Keeping clients informed and ensuring smooth communication are top priorities, and I'm pleased that you had a positive experience. Thank you for your kind...
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  • Encompass
    E
    Erin C N
    Charlotte, NC
    Posted on April 3rd, 2025 12:29 PM
    Skip was great to work with! Very kind and helpful when explaining things. Thank you for your help!
    Reply from Skip O’Neal
    April 6th, 2025 12:31 PM
    I'm delighted to hear that you found my assistance helpful and that the explanations were clear. It was a pleasure working with you, and I appreciate your kind words.
  • Encompass
    J
    Jeffrey T H
    Lake Lure, NC
    Posted on March 31st, 2025 04:23 PM
    Quick communication
    Reply from Skip O’Neal
    April 3rd, 2025 04:26 PM
    I'm glad to hear that you were satisfied with the quick communication, Jeffrey. It was a pleasure assisting you at Highlands Residential Mortgage, Ltd. If you have any more questions or need further assistance, feel free to reach out.
  • Encompass
    N
    Norma H
    Lake Lure, NC
    Posted on March 31st, 2025 04:23 PM
    Skip is the best!
    Reply from Skip O’Neal
    April 3rd, 2025 04:26 PM
    I'm thrilled to hear that you had such a positive experience, Norma. It was a pleasure assisting you, and I truly appreciate your kind words.
  • 4150 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.