Phil Cunningham, Lower NMLS# 659032

08/29/2026

5.0 star review received on Experience.com for Phil Cunningham by London S - We had a wonderful experience working with Phil on our personal home purchase. Phil did an excellent job educating us throughout the process, clearly explaining our options and helping us feel confident in each decision. We also really appreciated his creativity in structuring things in a way that worked well for us. His communication, knowledge, and care made the entire process smooth from start to finish.

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08/25/2026

5.0 star review received on Experience.com for Phil Cunningham by Scott S - Seamless. Little to no effort on our part required.

Click to see all 127 reviews of Phil Cunningham, Producing Branch Manager | NMLS # 659032

08/23/2026

5.0 star review received on Experience.com for Phil Cunningham by Michael N - Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!

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08/19/2026

5.0 star review received on Experience.com for Phil Cunningham by Brian B - From the start, Phil maintained clear communication and helped ensure the entire end-to-end process ran smoothly. He was always available by phone or text—sometimes several times a day—to answer questions and provide clarification whenever needed.

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08/18/2026

Congratulations to Samantha and Michael on the closing of your Construction to Permanent Loan. I want to thank you again for trusting me and of course my incredible Lower Mortgage Construction Team to handle this important loan for you. I cannot wait to see the progress on your Dream Home!

I also want to thank your builder, Tim Johnson of Johnson Custom Builders, LLC for helping get us to this point! Thanks also to Chris Spivey, The Impact Agent with Keller Williams Innovate and Cape Fear Home for Heroes for referring these great folks to me.

Both Michael and Samantha are local Lieutenant Paramedic Field Training Officer Heroes and I was proud to provide them with a well deserved $1,294.00 Lender Credit through my affiliation with Cape Fear Homes for Heroes! Thank you again for both of your contributions to our Community by making it safer.

08/18/2026

5.0 star review received on Experience.com for Phil Cunningham by Samantha N - Phil did a great job explaining things along the way and walking us through every step. He is very personable and you can tell he truly cares.

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08/15/2026

5.0 star review received on Experience.com for Phil Cunningham by Erica K - Phil was amazing to work with.

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08/11/2026

5.0 star review received on Experience.com for Phil Cunningham by Meredith A W - Phil went above and beyond to provide personalized advice and took the time to think outside of the box to get us the best situation possible

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08/10/2026

5.0 star review received on Experience.com for Phil Cunningham by Matthew J W - Getting it done so quickly after changing us to the buyers and keeping the same closing day.

Click to see all 122 reviews of Phil Cunningham, Producing Branch Manager

07/17/2026

5.0 star review received on Experience.com for Phil Cunningham by Goran V - It was a pleasure working with Phil his knowledge and expertise made this an easy experience. He was always available for any questions we had and helped us with an discussions. We would work with Phil no questions asked on our next purchase. Truly a pleasure working with him on our home purchase.

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