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Hometown Lender

Being a hometown lender means local processing and underwriting with mortgage professionals that are committed to you. TowneBank Mortgage is dedicated to providing the personal experience that you expect from a hometown bank. TowneBank Mortgage has the most advanced technology available to offer affordable loans, quick processing and exceptional service. TowneBank Mortgage loan officers live and work in your community. With professional experience and solid business relationships, they look forward to working with you to meet all of your home financing needs. Learn more at TowneBankMortgage.com

Meet The Loan Officers...

Brad Brown | Mortgage Loan Officer

Brad Brown grew up in Southeastern North Carolina. Wanting to stay close to the water, he attended University of North Carolina at Wilmington and graduated with a Bachelor’s of Science in Business Administration. Brad possesses the skills to ensure you receive a product that best suits your needs, while exceeding your expectations every step along the way. He will educate you throughout the whole process so that you never leave the closing table with any unanswered questions. His door stays open long after you receive the keys to your home.

D. Lon Downing | Mortgage Loan Officer

D. Lon has had the pleasure of calling Wilmington home for over 25 years. As a graduate of East Carolina University, and a proud North Carolinian, he has remained dedicated to his hometown, often volunteering his time for area nonprofit organizations, including CCFA. With over 24 years of experience, D. Lon is a seasoned veteran of the mortgage industry. He has a comprehensive understanding of the home buying process, and is often recognized for his outstanding production and customer service. D. Lon enjoys working with families in his local community, to ensure that they find the perfect financial fit.

Dale Lacy | Mortgage Loan Officer

As a Mortgage professional for over 23 years, Dale has built a reputation for providing superior customer service. Keeping her referral sources and borrowers well informed throughout the process is a key to her success. She takes extra time up front to make certain that she helps the borrower choose the best product to meet their personal financial goals. With the proper expectations established, and a well-informed borrower, Dale simplifies the loan process and makes for a smooth transaction from application to loan closing!

Kevin Crooks | Mortgage Loan Officer

Kevin grew up just north of Wilmington in Jacksonville, NC. His father was a retired officer in the United States Marine Corps and his mother has been employed by the Onslow County School system for over 20 years. After high school, Kevin was awarded a scholarship to Tulane University in New Orleans, LA where he graduated with a business degree majoring in both finance and management. He left New Orleans in 2003 and has been originating residential mortgages in coastal NC ever since. It is imperative that you partner with a mortgage professional who has your best interest in mind, the knowledge to avoid major pitfalls, and the experience to help you navigate through those pesky hiccups. Kevin feels that his greatest service is delivering accurate, honest, and constant communication. Kevin will explore all available options, determine which is best for your needs, and efficiently work towards a hassle-free closing.

Karen Hester

Karen Bonardi Hester | Mortgage Loan Officer

Karen Bonardi Hester has over 30 years’ experience providing personalized service to meet her clients’ specific needs, including 6 years specializing in mortgage lending.  Having begun her mortgage career with a hometown bank, Karen knows firsthand the unbeatable value found in working with a local lender.  Karen genuinely loves people and enjoys truly knowing her clients and making their loan experience pleasant.  You can count on Karen to listen to you, find the best loan products to accomplish your goals, guide you through the process, and keep everyone informed along the way. 

Karen is a native North Carolinian, alumnus of UNC Chapel Hill and proud mom of a terrific adult daughter. After many years in the heart of the state, she now makes her home in Wilmington with her husband. Outside of work, you will find her enjoying the great outdoors with family and friends or travelling for new adventures.

Blair Young | Sales Manager

Blair has been in the banking and financial industry for more than twenty years. After receiving a degree in Business Administration and working in finance for ten years, he went back to school and received his Certified Financial Planner designation in November of 2003. That same year, Blair’s family moved from Charlotte to Wilmington, where they continue to live and raise their two children. During his time in Wilmington, Blair has become very familiar with the coastal real estate market. Recognizing that unique situations sometimes develop when purchasing and financing real estate in coastal areas, Blair uses his experience and local market knowledge to help his customers navigate through the home buying process. Whether it is for purchasing a new primary, vacation, or investment home, or simply refinancing a property you already own, Blair would enjoy the opportunity to use his experience and knowledge to help you obtain the financing that best suits you.