Finding the Right Mortgage

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 or text for immediate information to 910-800-0298.

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.

Patrick Harris

Patrick Harris | Mortgage Loan Officer

Patrick is a native of Wilmington, NC for over 27 years and is proud to call it his home! He is a proud husband and father, and enjoys surfing, fishing, and golf in his free time. Prior to becoming a loan officer, he received a business degree from The University of North Carolina at Wilmington and worked in sales and leadership for a Fortune 500 company. He enjoys meeting new people and his role as a local loan officer allows him to do that every day. A home purchase is the largest financial transaction you will ever be a part of, so it is very important to take the time to ensure all aspects of the transaction are being considered, and being handled in a way that best fits your overall picture. Communication is key to a successful mortgage experience. Patrick will stay in touch with you frequently with updates, and is always available at your convenience to help answer any questions you may have and guide you through the mortgage process.

Every relationship is a puzzle, and Patrick is confident you will find that his relationship approach to the mortgage process will ensure you are connected and confident throughout the entire mortgage process, starting with the initial application and finishing with your on-time closing. Regardless of whether you are purchasing a new home or refinancing an existing home, or just need some mortgage advice, Patrick is here for you! Allow Patrick to help make your dream of home ownership come true!

Erik Holley

Erik Holley | Mortgage Loan Officer

Erik grew up in the Midwest and has lived all over the U.S., but has been happy to call Wilmington, NC home for the past 9 years. He was a teacher for 18 years and has a strong Math background to draw from in helping his clients with their mortgage needs.

Erik is very involved in the community through sports, as well as volunteering at his church. He is a varsity basketball coach at Hoggard High School in Wilmington, which helps him stay connected to his education background. Erik has a great connection and rapport with the people he meets through these different activities. Erik is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Erik can help.

Courtland Parnell

Courtland Parnell | Mortgage Loan Officer

Courtland grew up in Virginia Beach, VA and moved to Wilmington, NC in 2006 to attend college, graduating from the University of North Carolina at Wilmington. Coming from a family of bankers and realtors, he has been immersed in the real estate industry from an early age and has a very good understanding of all aspects of the mortgage transaction. Purchasing a home is one of the largest investments of your lifetime and Courtland will take the time to make sure you are well educated throughout the mortgage process.

As your Mortgage Professional, Courtland’s goal is to guide you through the process to ultimately provide you with a mortgage experience as smooth, stress-free and second to none. In this ever changing industry, Courtland prides himself in staying current and up to date on the different loan products available in order to properly guide his clients through the mortgage process so that they make the right financial decision to meet their needs. Whether you are purchasing your first home, an investment home, refinancing or are in need of mortgage advice, Courtland is here to help.

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.