Chris Waggett

Experience matters.

And few know that better than Chris Waggett, Producing Branch Manager, based in Wilmington, North Carolina. With 28 years of industry experience under his belt, Chris has seen just about everything the housing market can throw at buyers--and he's spent his career building a reputation as the kind of mortgage professional you want in your corner when it's time to make one of life's biggest financial decisions.

Rooted in Experience, Driven by Service

Chris began his career in mortgage lending in 1998. After years of helping families secure the homes of their dreams, he joined Fairway Home Mortgage, a company founded in 1996 with a strong mission: to provide homebuyers and homeowners with smooth, personalized mortgage financing solutions.

"I've always believed that our role goes far beyond just offering a loan," Chris

explains. "It's about understanding what our clients need, guiding them through a major milestone, and making sure they feel confident every step of the way"

Fairway Home Mortgage specializes in both home purchases and refinancing. Chris and his team are especially focused on helping residential buyers find the best fit for their needs--whether it's their first home, a vacation getaway, or a refinance that opens up financial flexibility.

The Power of a Local, Dedicated Team

One of the major differences Chris brings to the table is the quality of his team.

"My team is top-notch," he says proudly. “They go above and beyond to deliver exceptional service and local support, and that's what really makes the experience stand out for our clients and partners."

From pre-approval to post-closing, Chris and his team make it their mission to keep communication clear, timelines on track, and surprises at bay. Their

comprehensive approach is why many top-producing real estate agents consider Chris a trusted extension of their client service team.

"If an agent is working, I'm available no banker's hours," he says. "Whether it's weekends or evenings, I make sure they can always reach me when a deal is in motion."

Why Realtors Keep Coming Back

Chris understands that real estate agents need lending partners they can trust-professionals who not only understand the financial side but also recognize the value of a client relationship.

"I know how important every single referral is to an agent," Chris explains. "When they introduce me to a client, I treat that referral like gold. I provide a complete and accurate pre-approval early in the process, so agents know their buyers are qualified and ready. And if issues come up, I work fast to find solutions."

In addition to his lending expertise, Chris brings added value through co-marketing opportunities, strategic event planning, and customized support to help agents grow their businesses. With nearly three decades in the industry, he's a steady, experienced hand that delivers results without the stress.

Making Dreams a Reality

For Chris, the most rewarding part of his career is seeing clients achieve something they once thought was out of reach.

"Helping someone own a home who didn't think they could that’s what keeps me going,” he says. "It's incredibly meaningful to play a part in that journey."

And it's not just the clients who benefit. Chris has become a fixture in the Wilmington community, helping hundreds of local families while building strong partnerships with area agents who count on his reliability and responsiveness.

A Local Who Gives Back

Born and raised in Wilmington, North Carolina, Chris knows the area-and its housing market-like the back of his hand. His deep roots in the region give him a local edge that national lenders simply can't match.

"My knowledge of the market, combined with a hands-on approach, really helps set clients up for success," he says.

At home, Chris is supported by his wife Hulya, son Connor, and daughter Madison, who have stood by him through the long hours and high demands of mortgage lending. "My wife has been my rock throughout this career," he says. "She's supported me every step of the way, and I couldn't have asked for a better partner."

Balancing a demanding profession with family life isn't easy, but Chris makes it a priority. "I try to commit evenings and weekends to my family. They understand the nature of the business, and their support and flexibility have been essential."

Faith, Focus, and a Forward-Looking Vision

Chris credits his strength and success to his faith, quoting Philippians 4:13 as his personal motto: "I can do all things through Christ which strengthens me."

That mindset fuels both his work ethic and his commitment to personal balance. "Work hard, play some, and be responsible for health, mind, and body," he says. It's a simple philosophy, but one that has served him-and his clients-well.

Looking ahead, Chris's goals are clear…

"Remain a top loan officer, continue to earn trust as a local expert, and keep providing exceptional service that leads to long-term relationships."

A Final Word to Realtors

"If you're a top-producing real estate agent and want a lender partner who will treat every client like a VIP, keep your deals on track, and help you grow your business, I'm your guy," Chris says. "With fast approvals, transparent communication, and a commitment to results, my team and I are here to make you look great-every single time."