About Us

J.D. began his mortgage banking career in 1996 after first having served as a commercial banking Vice President with Central Carolina Bank & Trust Co. (now SunTrust Bank) in Durham, NC. Given the fast pace and high turnover rate that exists in the mortgage banking industry there are very few mortgage bankers in the Wilmington area with the experience that J.D. is able to share with his client base. As a mortgage lender with CTX Mortgage Co. J.D. has been nationally recognized as a three time Presidents Circle recipient. This elite status is awarded to those originators in the top 5% in mortgage production. Since his career began back in 1996, J.D. has been personally responsible for funding more than one quarter of a billion dollars in mortgage backed securities. In addition to his extensive mortgage experience, J.D. has formed strong alliances with many other successful financial service providers outside of mortgage banking. J.D.’s past, present and future clients are not only afforded the highest level of strategic mortgage financing but further gain access to these varied financial service providers.

Prior to the start of his commercial lending career with Central Carolina Bank and Trust Co., J.D. graduated from John T. Hoggard High School in 1983 and in 1987 graduated from North Carolina State University with degrees in Business Management and Economics.

When I began my banking career with Central Carolina Bank and Trust Co., my primary focus was to find a career that offered decent pay while still providing me the opportunity to grow in my chosen career. Sounds like the goal of every university graduate doesn’t it? Well, it probably is. Or, at least that’s what you are supposed to say at the first job interview! Fortunately, I guess I wrote the right things, said the right things and made the right decisions long enough to enjoy a nine year commercial lending career. And maybe that’s just the thing that drove me to mortgage banking. The late 1980’s and early 1990’s were the golden years of commercial banking. During that time lenders actually had loan authority and could make meaningful decisions-those decisive moves that could and would change the financial direction of companies and individuals. But early in the 1990’s, all of that began to change. As banks grew in size, mostly through mergers, additional measures of control were instigated. Loan authority for individual lenders was dramatically cut and no longer could one lender single handedly change the financial future of his/her client.

After all, lending money is kind of boring unless you get the chance to change that financial future. As much as the late 1990 were the golden years of commercial banking they were also the time when mortgage banking bloomed. So, in late 1995 I left the security of the nine to five and began my mortgage banking career. Seizing the opportunity to once again make a difference in the lives of my clients has been my greatest career accomplishment.

Troy was born and raised on the Outer Banks of North Carolina. He attended Manteo High School and graduated in the spring of 1994. Upon graduation, he attended North Carolina State University in Raleigh, North Carolina and had ambitions to study architecture in the school of design. As many first year college students do, Troy changed his direction and decided to focus on the path of business management. In the fall of 1996, he transferred to the University of North Carolina at Wilmington and entered the Cameron School of Business. In May of 1999, Troy graduated from UNCW with a degree in Business Management and a minor in English studies (concentration in creative writing). He immediately took a job as a manager in the food service industry and spent the following two years working hard and gaining as much experience as possible. In 2001, he was offered a position as the general manager of a new retail establishment and started work in April. For the next few years Troy devoted himself to the growth of a new business founded on customer service. Through creative marketing ideas in the community and implementing an extremely personal approach to customers, business flourished and the sales volume grew annually. On the verge of the most successful year ever, Troy left retail management in 2005 to pursue a new career in mortgage lending. During the last two years, he has been very successful in utilizing his past contacts as well as developing many new relationships. Troy and JD work as a team and use their combined talents to offer a wealth of knowledge, advice and a level of service that is all too uncommon in the marketplace.

My love for the ocean and the lifestyle of a coastal community has helped to mold me into the person that I am today. I enjoyed 18 years of warm summers spent working and enjoying the beach coupled with cold, windy, dreary winters devoted to school, playing basketball and trying to bare the cold while surfing. From the age of fourteen I have always been employed in establishments where good customer service made all of the difference. I learned long ago to treat others as I would want to be treated and that philosophy has always worked well for me. I believe that it works particularly well in the mortgage industry. It seems to me that in recent years, the emphasis on customer service has fallen to the wayside in our business. I always tell my clients that I remember what it felt like to sit on the other side of the desk in a lender’s office. I remember the feelings of worry and concern that tend to grow if you are not in frequent contact with your lender. Buying a house should be an exciting experience with little to no stress. I want my clients to enjoy the whole experience and concentrate on the more important things like . . . where do I put the furniture? The home buying experience should also be educational and enable buyers (especially first time buyers) to learn a lot about the process so that their next home purchase will be even easier! I enjoy being a mortgage lender because of the opportunities to work with great people, to build new relationships, and to help people achieve their dreams of owning their own home!