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Randy Watkins

Residential Mortgage Loan Originator | NMLS #177234

Way. Better. Mortgage.TM

Randy's Bio

Hello! My name is Randy Watkins. I was born in Hickory, NC and grew up with a strong desire to continue with the family tradition of serving in the Military. I found my calling with the United States Marines and joined immediately upon graduation from high school in 1988. I served over 21 years on Active Duty, receiving all the excitement and adventure that I could ask for by traveling to over 19 different countries and participating in countless operations.

After retiring from Active Duty, I found that I could still serve and get the sense of satisfaction from helping people within the mortgage industry. Over the past 10 years, I have helped many people achieve the dream of home ownership. I enjoy serving the people of my community and I am especially passionate about helping Veterans and their families navigate the homebuying process.

The values instilled in me throughout my time in the Marines continue to guide me both personally and professionally. Honor and Integrity are of the upmost importance to me, and I bring these to my business every day. These guiding principles combined with extensive knowledge of the mortgage industry ensures that I can provide my clients with a superior experience.

About WBM

Putting our mortgage services to work for you

We offer the best mortgage tools available on the Internet – easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending – from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan – with the best rates, terms and costs – to meet your unique needs. But that’s just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

I had many questions, lots of anxiety, and concerns as a first time home buyer. Randy was able to break things down thoroughly and explain the entire process step by step for me. He was always a step ahead of me, which I relied on and appreciated. He’s knowledgable and experienced which made this a breeze and memorable for me. I would recommend him to anyone and will use him again in the future!!

Lacey Smith Homeowner

I had always been skeptical to refinance not knowing how the process would go. Randy absolutely took care of EVERYTHING, he walked me through every step. If you need a refi, he is the one.

debbiebullard922 Homeowner

Randy is absolutely amazing! He truly puts his heart in his work and does what’s best for his clients! His thorough communication, his attentiveness and follow-through is beyond commendable! You want Randy on your team. You will actually become family when it’s over.

gnlconsult Homeowner


Home Mortgage Calculator

Use this mortgage calculator to determine your monthly payment. Quickly see how much interest you could pay and your estimated principal balances. Enter prepayment amounts to calculate their impact on your mortgage.







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421


Home Refinance Calculator

How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home. This calculator helps sort through the confusion and determine if refinancing your mortgage is a sound financial decision.

Home Refinance Calculator

Ready to Get Started?

Getting started is easy, whether you'd like to get pre-qualified or are ready to start an application. APPLY NOW through our WBM ApplicationTM or contact us to talk with one of our friendly mortgage experts. We're here to help and answer all of your questions.

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