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About me

For more than 18 years, I have helped homebuyers, homeowners, and real estate investors navigate the mortgage process and make confident decisions about real estate financing. Today, I serve as a Producing Area Manager with Guild Mortgage, leading an experienced team of mortgage professionals while continuing to personally originate loans and work directly with clients and referral partners.Read more

For more than 18 years, I have helped homebuyers, homeowners, and real estate investors navigate the mortgage process and make confident decisions about real estate financing. Today, I serve as a Producing Area Manager with Guild Mortgage, leading an experienced team of mortgage professionals while continuing to personally originate loans and work directly with clients and referral partners.

Throughout my mortgage career, I have served in leadership roles including Branch Manager, Regional Vice President, Area Sales Manager, and Producing Area Manager. Those experiences have given me a broad understanding of the mortgage industry, but I remain passionate about the part of this business I enjoy most: helping people find the right financing strategy for their situation.

Buying or refinancing a home is about much more than finding an interest rate. Every client has different goals, income, assets, challenges, and plans for the future. My approach is to understand the entire financial picture and help structure a mortgage that makes sense today and over the long term. Whether working with a first-time homebuyer, move-up buyer, veteran, investor, self-employed borrower, or someone with a more complex financial situation, my goal is to provide options, clarity, communication, and solutions.

I have been honored to be consistently recognized among the Top 1% of Mortgage Loan Originators in the United States, including recognition by Mortgage Executive Magazine. More important to me are the families and referral partners who continue to trust our team, return for future transactions, and refer their friends, families, and clients.

I am fortunate to work alongside a highly experienced mortgage team that shares the same philosophy. We believe in communicating proactively, anticipating challenges, and creating a mortgage experience that is professional, personal, and dependable from the initial conversation through closing and beyond.

Before entering the mortgage industry, I grew up in a small-business family and eventually purchased my father's welding gas and industrial supply company. I later sold the business to a Fortune 500 corporation before beginning my mortgage career in 2009. That experience shaped the way I work today: understand the numbers, solve problems, take responsibility, surround yourself with great people, and always take care of the customer.

I am also a fourth-generation Sanford, North Carolina native with deep roots in the community. Service has always been important to my family and me. Over the years, I have served numerous community organizations and nonprofits throughout Central North Carolina and had the privilege of serving nine years as Mayor of Sanford, following in the footsteps of my grandfather, who also served as mayor.

Today, I proudly serve homebuyers and homeowners throughout Central North Carolina, the Triangle, Sandhills, Fayetteville region, and surrounding communities, including Raleigh, Durham, Chapel Hill, Cary, Apex, Sanford, Pittsboro, Fayetteville, Hope Mills, Aberdeen, Southern Pines, Pinehurst, and beyond. Through Guild Mortgage's broader lending platform, our team can also assist clients in markets across the country.

When I'm not working, I enjoy spending time with my wife, our two sons, family, and friends. I'm an avid outdoorsman and particularly enjoy saltwater fishing, hunting, boating, dogs, and music.

My philosophy after decades in business is still pretty simple:

Do the right thing. Do your very best. And make sure people know you genuinely care about them.

When it comes to mortgages, that means taking the time to listen, understand where you are today and where you want to go, and help you build a financing strategy to get there.

My goal isn't simply to help you get a mortgage. It's to help you make a smart, informed home financing decision and be a resource you can rely on for years to come.

Awards

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Causes and Memberships

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Testimonials

4.86 (349 reviews)
Zillow logo
5.0
Facebook logo
3.3
Experience logo
5.0
Google logo
4.9
Third party logo
4.8
Chet, Michele and Chrissy were awesome! On their game and completly transparent the whole way. They had great communication and made me feel valued.
Experience logo
Carl

July 22, 2026 | 

Angier, NC

Chet and his team were extremely professional and played a key role in helping my clients have a smooth and successful transaction. Throughout the process, Chet took the time to answer all of my clients’ questions, making them feel comfortable, confident, and excited about their next chapter. I’m truly grateful for the opportunity to work with Chet and his team. Our collaboration was seamless, we worked together effortlessly, and communication was excellent from start to finish. I look forward to working together again in the future!
Experience logo
Paola

July 2, 2026 | 

Wake Forest, NC

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Meet our team

I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

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Fahren Smith

Business Development Coordinator

I am not an originating team member.

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Michele Shane-Serfass

Mortgage Team Partner l NMLS#415646

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Amanda Stephens

Mortgage Team Partner l NMLS #537012

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

9:00AM - 5:00PM

CLOSED

CLOSED

Monday - Friday

9:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #171268

I am authorized to do business in the states of Georgia, North Carolina and South Carolina.

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Find the loan that works for you

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Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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