Wilmington, North Carolina

Your home loan deserves more than a form letter — it deserves a person who actually listens.

I'm Robert Theoharis, NMLS #5379. I guide first-time buyers, move-up families, and refinancers through every step of the mortgage process with clarity, honesty, and real attention to what matters to you.

Call (910) 352-4720 Request a Consultation

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About Robert

A mortgage professional who treats your loan like it's his own.

With over two decades of experience in the lending industry, I've built my practice on one simple principle: every borrower deserves a lender who understands their situation, explains their options clearly, and fights for terms that actually work.

I'm not a call-center loan officer. When you call me, you get me — directly, promptly, and with full context. I've helped hundreds of families in the Wilmington area navigate purchase loans, refinances, and everything in between, and I bring that same focused attention to every new conversation.

NMLS# 5379

Lender Atlantic Bay Mortgage Group

Location Wilmington, NC

Experience 20+ years

What I Do

Mortgage solutions tailored to your situation

Whether you're buying your first home, upgrading to something larger, or looking to reshape your current loan, I'll walk through every option with you — no pressure, no confusion.

Purchase Loans

First-time buyer? Move-up family? I'll match you with the right program — conventional, FHA, VA, or USDA — and guide you from pre-approval through closing with clear milestones at every step.

Refinances

Lower your rate, shorten your term, or pull out equity for a purpose that matters. I'll run the numbers honestly — if refinancing doesn't make sense for your situation, I'll tell you.

Jumbo & Non-QM

Larger loan amounts or unique financial situations? I work with programs designed for non-traditional borrowers — self-employed, asset-rich, or international buyers.

VA Loans

Serving those who served. VA loans with no down payment and competitive rates — I understand the process and the benefits, and I make sure you get every dollar you've earned.

Rate & Term Locks

Timing matters. I'll help you understand rate lock strategies, float-down options, and when to commit — so you're never caught off guard by market shifts.

Ongoing Support

My relationship doesn't end at closing. Whether you need documentation for future adjustments or just have a question about your loan, I'm always a phone call away.

How It Works

From first call to closing day

Conversation

We talk about your goals, your timeline, and your financial picture. No obligation — just a clear starting point.

Pre-Approval

I pull your numbers, explore programs, and get you a solid pre-approval so sellers and agents take you seriously.

Processing

Once under contract, I manage the file — appraisal, underwriting, documentation — and keep you updated at every stage.

Closing

You review the closing disclosure, sign the papers, and get the keys. I'm there to answer questions until it's done.

Client Stories

What borrowers say about working with me

Robert made what we thought would be a stressful process feel straightforward. He explained every option clearly and never made us feel rushed. We closed on time and got a rate better than we expected.

First-Time Homebuyer

Purchase Loan · Wilmington, NC

I refinanced with Robert to shorten my term and drop my rate. The whole process took three weeks from application to closing, and he was responsive every single day. That kind of communication is rare.

Refinance Client

Rate & Term Refi · Carolina Beach

As a veteran, I wanted someone who understood VA loans inside and out. Robert walked me through the entitlement process, helped me avoid pitfalls, and got me into a home I didn't think was possible.

VA Loan Borrower

VA Purchase · Wilmington, NC

Contact

Let's talk about your goals

Robert Theoharis

Office

1508 Military Cutoff Rd
Wilmington, NC 28403-5730

Phone

(910) 352-4720

robtheoharis@atlanticbay.com

Office Hours

Monday – Friday: 9:00 AM – 5:00 PM
Saturday: By Appointment

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