Wilmington & Coastal North Carolina
Home loans designed around
your life
A relationship-driven approach to financing on the Carolina coast and beyond, from first conversation through closing.
Local Expertise
Wilmington and coastal North Carolina insight
Clear Communication
Responsive updates throughout the process
Personalized Guidance
Mortgage strategies built around your goals
Backed by Certainty
Local service supported by national resources
Meet Troy Williamson
Guiding you home
Troy leads the Wilmington NC Mortgage Team with a relationship-driven approach. Every loan starts with a conversation about what you are trying to do, not a rate sheet.
From application through closing, the goal is a smooth, well-communicated experience, with a local team that knows this stretch of coast.
- Phone (910) 262-2613
- Email Troy.Williamson@certaintyhomelending.com
- NMLS #117934
- Service Area Wilmington and coastal North Carolina
Loan Programs
Flexible options to fit your goals
Loan availability and eligibility vary. Let's find the structure that fits your situation.
Conventional
Flexible financing for qualified borrowers purchasing or refinancing a primary residence, second home or investment property.
FHA
Government-insured financing that may offer flexible credit and down payment options for eligible borrowers.
VA
Benefits for eligible veterans, active-duty service members and qualifying surviving spouses.
USDA
Financing for eligible properties and qualified borrowers in designated rural and suburban communities.
Jumbo
Financing solutions for loan amounts that exceed applicable conforming loan limits.
Refinance
Explore options that may help adjust a rate, term, payment structure or access available equity.
Why Troy
A local team, a national platform
Local Coastal Expertise
Wilmington and the surrounding beaches, understood firsthand.
Clear Communication
You always know what stage your loan is in.
Custom Loan Strategies
Structures shaped around your goals, not a template.
Efficient Process
A coordinated team that keeps files moving.
Backed by Certainty
National resources behind a local relationship.
Client-First Service
The same attention before and after closing.
Communities
Local knowledge.
Coastal perspective.
The Team
Local experts.
Dedicated to you.
A coordinated group supporting every file from application through closing, so nothing waits on one person.
- Troy Williamson Producing Sales Manager | SVP of Mortgage Lending
- Philip Andrews AVP of Mortgage Lending
- Nathaline Richards Licensed Loan Processor
- Carrie Jordan Business Development Coordinator
- Tracy Raper Processor
Let's get you home
Start the conversation today and we'll map the path from where you are to closing day.
Start My Loan