With 27+ years in the mortgage industry, I help homebuyers win in competitive markets and support realtors with financing strategies that get deals to the closing table—clean, fast, and with no surprises. My primary focus is purchase business, working side-by-side with agents to structure strong, competitive offers and guide buyers confidently from pre-approval to closing. I bring clarity, speed, and ex*****on to every transaction—because in today’s market, that’s what wins. I serve clients from the Outer Banks down through the coast of Florida, with deep experience in second homes, coastal markets, and VA financing.
◆ Purchase-Focused Lending (VA, FHA, USDA & Conventional)
◆ Strategic Offer Structuring & Pre-Approval Strength
◆ Trusted VA Loan Expert for Realtors & Buyers
◆ Clean Files, Strong Approvals & On-Time Closings
◆ Realtor Partnership & Ongoing Education
◆ Mentorship & Development for New Loan Officers
While purchase is the priority, I also advise homeowners on refinance and equity strategies when it supports their long-term financial goals. I’m proud to be a realtor-first lending partner—focused on communication, consistency, and ex*****on—and I’m equally passionate about mentoring the next generation of loan officers who want to build their business the right way. If you’re a buyer ready to make a move, a realtor looking for a lender who knows how to win, or a loan officer looking for guidance—let’s connect.
📱757-478-2022 text/direct
[email protected]
https://hinesmortgageteam.com
Personally licensed in NC | VA | TN | FL
NMLS #457650
http://www.nmlsconsumeraccess.org
Equal Housing Opportunity
OVM Financial With AnnieMac Home Mortgage
NMLS 338923