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Philicia is the proud wife of a veteran and mother of a few awesome children. She comes to Veterans United Home Loans as a loan officer with experience in the legal and higher education fields. As a Board Certified Human Services Practitioner, she is dedicated to assisting homebuyers in making healthy financial decisions of which they can be proud. Her attention to detail, go-getter attitude and negotiating skills make her a great loan officer. Philicia volunteers as a child advocate for Cumberland County and crusades to end childhood hunger in our community. When she is not working or volunteering, she enjoys fitness, traveling and spending time with family.
Before joining Veterans United Home Loans, Pearl worked in the Fayetteville banking industry for 20 years. Being passionate, delivering results and enhancing lives is her expertise. She is actively involved in community activities and regularly attends Chamber of Commerce Business after Hours. She is a former Ambassador for the Cumberland County Chamber of Commerce and is a graduate of the Institute for Community Leadership (Class VIII). When she isn't working she enjoys spending time with her family and loves to travel. Pearl loves living, working and supporting her Fayetteville community.
Solibel Ramos is a senior loan officer at Veterans United Home Loans in Fayetteville. Solibel first came to North Carolina 17 years ago as a military spouse and made Fayetteville her home. Because of this, she has a deep appreciation for the men and women who serve our country. Solibel has been in the mortgage industry for more than 15 years and works hard to make the homebuying process simple for her clients. Outside of work, Solibel spends time with her family and her dogs at the beach!
Bob is a loan officer at Veterans United Home Loans and is also a 33-year veteran of the U.S. Army with six combat deployments. He is a graduate of the U.S. Military Academy at West Point in New York and prides himself in his selfless service to the nation. Fayetteville has been home for Bob and his family since 2009. His family is grateful for the opportunity to settle down and plant long-lasting ties to the community here. His military experience gives him a unique understanding of his homebuying customers at Veterans United. Bob provides an untiring dedication and commitment to his customers’ loan processes, and he will tenaciously work for his homebuyers.
Andre Machado is a loan officer at Veterans United Home Loans and is also a 30-year veteran of the U.S. Army and Paratrooper with the 82nd Airborne Division with five combat tours. As a veteran, Andre understands the needs of the military family and their desire to achieve the American dream of owning a home. He feels privileged to help our veterans and their families achieve their homeowning goals. Andre provides a quality, personalized experience to his customers, and he believes his tenacious approach to the loan process delivers superior results. Outside of work, Andre enjoys spending time with his wife and three children. He’s an animal lover and takes part in many outdoor sports and activities, like hiking and skiing.
Charley Smith is a loan officer at Veterans United Home Loans in Fayetteville. Charley is from Houston but moved to North Carolina in 2011. Prior to this position at Veterans United, Charley served in the U.S. Army as an Officer for eight years and served in both Iraq and Afghanistan. He understands the military lifestyle, and as your loan officer, Charley knows how important communication is to help you achieve your homebuying goals. When he’s not helping military homebuyers become homeowners, he’s spending time with his wife and two sons at the beach or chasing around the family dog.