Mortgage
Rate prioritizes financial well-being, offering low rates, advanced technology, transparency, and excellent customer service to simplify the mortgage process. Founded 24 years ago, Rate has grown significantly, with over $35 billion funded in 2023, becoming a leader in digital mortgage innovation. Rate introduced industry-first solutions like Same Day Mortgage™ for 24-hour approvals, FlashClose™ for streamlined closings, and the Rate App™ for comprehensive financial tools. With a strong focus on innovation, Rate empowers customers and referral partners through user-friendly, efficient technology and a customer-centered approach that earns a 97% referral rate.
Tom O'Neill
As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
tom.oneill@rate.com
(910) 520-3341 (Mobile)
(910) 473-5657 (Office)
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The data relating to real estate on this web site comes in part from the Internet Data Exchange program of Hive MLS LLC, and is updated as of September 23, 2026 2:57 AM UTC All information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor REMAX Executive shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any
