Cornerstone Team Members

A creative mortgage advisor with a diverse financial background, Philip explores all opportunities to help make dream homes come true.

Philip served as a financial analyst and CPA before becoming a loan officer in 2013. He excels in analyzing his clients’ financing options, sharing valuable insight to help them choose the right home loan for their long-term goals. Inspiring all with his whatever-it-takes attitude, Philip works hard to ensure each customer enjoys a positive mortgage experience.

Born in Kernersville, Philip grew up in Wilson before moving to Wilmington in 2004 where he graduated from UNCW. Philip devotes his time outside of work to his wife and their two daughters. The Andrews family enjoys all that North Carolina has to offer – from rock climbing and mountain biking to surfing and sailing. Philip also serves as director, trainer, and outdoor adventure leader for a non-profit youth camp based in Pinnacle.

Troy Williamson offers more than 15 years of experience as a mortgage loan officer. He considers his role as an opportunity to expand homeownership through responsible guidance, grounded in integrity, empathy, and personal attention.

With a focus on transparency, Troy takes the time to demystify the mortgage process. “Communication is my foundation,” he says. “Getting a mortgage can seem overwhelming, so I work closely with my clients to make sure they understand all their options and what to expect at each step.”

Troy explores all options to find the right mortgage solution for his customers. He has in-depth knowledge of lending guidelines and can quickly resolve any issues that could delay the closing day. Troy’s exceptional service also extends beyond closing day. He builds lasting relationships, always ready to serve his clients’ financing needs year after year, loan after loan.

Born and raised in the Outer Banks, Troy has lived in Wilmington since 1996. He graduated from the University of North Carolina with a BS in Business Management. Outside of work, Troy spends his time out on the water – you can usually find him surfing or boating. He also enjoys playing music and cheering on his favorite college sports teams.

Tracy grew up in Wilson, NC before moving to Wilmington in 2006. Tracy has been a mortgage loan processor, closer, and loan officer for over 35 years and loves being part of a team that helps people achieve the goal of homeownership. In her free time, Tracy enjoys going to the beach and spending quality time with her daughter!

Carrie grew up in Greenville, NC before moving to Wilmington in 2002. Carrie has been a Transaction Coordinator for over five years and loves being part of a team that helps people achieve the goal of homeownership. In her free time, Carrie enjoys traveling and spending quality time with her family!

Nathaline Richards has supported a top producing mortgage team for more than a decade. She has worked in the real estate industry since 2002, and her main focus is always customer service and retention.

I was born in Beaufort, South Carolina, and had the opportunity to live all over the world while growing up the son of a Marine. I eventually found myself at UNCW, where I graduated with a BS in marketing strategy. I enjoy hunting, fishing, golfing, spending time with my family, and most importantly helping people achieve the goal of home ownership.