Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across North Carolina, South Carolina, Tennessee and Virginia.
Ben Curtis has been in the mortgage industry for over 10 years. As a Senior Home Loan Advisor, Ben understands the mortgage process inside and out and will take the time to explore every option with you and answer any questions to make sure you are choosing the home financing option that’s right for you. Whether you are a first-time homebuyer or a seasoned investor, you will feel right at home as you make the steps from your prequalification to closing. Ben is licensed in Virginia, North Carolina and Tennessee and has significant experience in all loan types.
Growing up in a military family and being a local of the Hampton Roads area for the past 25 years, he has a great respect for the men and women of military service and their families. He is a graduate of Great Bridge High School and Radford University and lives in Chesapeake with his wife and 2 kids. He keeps his competitive side alive by playing in competitive kickball league, coaching his daughter’s softball team, and re-learning how to skateboard with his son.
Rating: 5.0 out of 5.0 from Encompass Ben was always available to explain everything in detail. He was polite and positive. I really appreciate all of his hard work on my behalf. I wish him all the very best. Thank you bunches, RuVae Roberts Ruvae BEDENTON, NC Jun 04
Ben was always available to explain everything in detail. He was polite and positive. I really appreciate all of his hard work on my behalf. I wish him all the very best. Thank you bunches, RuVae Roberts
Rating: 4.8 out of 5.0 from Encompass .everything was great. process was easy and communication was on point..tha PatrickMOYOCK, NC Jun 02
.everything was great. process was easy and communication was on point..tha
Rating: 5.0 out of 5.0 from Encompass professional, very courteous and smooth . Kathi MCamden, NC Jun 01
professional, very courteous and smooth .
Rating: 5.0 out of 5.0 from Encompass Not my first house purchase, so understand the process. Pleasant as it could be as the process is alot. So grateful for that Thomas A.CHESAPEAKE, VA May 25
Not my first house purchase, so understand the process. Pleasant as it could be as the process is alot. So grateful for that
Rating: 5.0 out of 5.0 from Encompass Great communication. Got this closed! DIANA L.CHESAPEAKE, VA May 13
Great communication. Got this closed!
Rating: 5.0 out of 5.0 from Encompass Ben worked withe us through all the steps and when we had a hiccup on the timeline , he gave a credit for a portion of the originators fee. RyanCAMDEN, NC Apr 28
Ben worked withe us through all the steps and when we had a hiccup on the timeline , he gave a credit for a portion of the originators fee.
Rating: 5.0 out of 5.0 from Encompass Ben was easy to work with . Kept me informed WANDASOUTH MILLS, NC Apr 27
Ben was easy to work with . Kept me informed
Rating: 5.0 out of 5.0 from Encompass Excellent communication! Ben Curtis removed all stress and uncertainty from the process! TimothyNORFOLK, VA Apr 27
Excellent communication! Ben Curtis removed all stress and uncertainty from the process!
Rating: 5.0 out of 5.0 from Encompass Ben's knowledge and communication with our clients and myself made for a smooth and worry free transaction. BrianNORFOLK, VA Apr 21
Ben's knowledge and communication with our clients and myself made for a smooth and worry free transaction.
Rating: 5.0 out of 5.0 from Encompass Have worked when Ben before and absolutely work with him again. Very professional and kept us up to date with changes in rates. Thank you WilliamNORFOLK, VA Mar 12
Have worked when Ben before and absolutely work with him again. Very professional and kept us up to date with changes in rates. Thank you
Rating: 5.0 out of 5.0 from Encompass This is the second time we have worked with Ben, and of course would work with him again in the future. I also recommeded to him to my son and daugther-in-law. He reached out in a very unobtrusive manner and keep me update to date with changes in the rate. Very much appreciated Bill and Linda Reynolds LindaNORFOLK, VA Mar 06
This is the second time we have worked with Ben, and of course would work with him again in the future. I also recommeded to him to my son and daugther-in-law. He reached out in a very unobtrusive manner and keep me update to date with changes in the rate. Very much appreciated Bill and Linda Reynolds
Rating: 5.0 out of 5.0 from Encompass knowledge, options & responsiveness LesleyHAMPTON, VA Feb 27
knowledge, options & responsiveness
Rating: 5.0 out of 5.0 from Encompass Ben communicate well with his clients regarding the financial side of a real estate transaction. ELIZASUMMERVILLE, SC Feb 12
Ben communicate well with his clients regarding the financial side of a real estate transaction.
Rating: 5.0 out of 5.0 from Encompass Very quick and easy process! Vicki LChesapeake, VA Feb 09
Very quick and easy process!
Rating: 5.0 out of 5.0 from Encompass Ben and his team made the entire process smooth and very organize. I was always kept in the loop with everything. James PChesapeake, VA Feb 06
Ben and his team made the entire process smooth and very organize. I was always kept in the loop with everything.
Rating: 4.8 out of 5.0 from Encompass The effort and communcation.... StevenVIRGINIA BEACH, VA Jan 05
The effort and communcation....
Rating: 5.0 out of 5.0 from Encompass Great communication TylerMYRTLE BEACH, SC Nov 24
Great communication
Rating: 5.0 out of 5.0 from Encompass Ben Curtis was extremely responsive throughout the whole process and very professional. Never tired of answering my 50 questions and was always able to explain and answer things I didnt understand. CareyMOYOCK, NC Nov 21
Ben Curtis was extremely responsive throughout the whole process and very professional. Never tired of answering my 50 questions and was always able to explain and answer things I didnt understand.
Rating: 5.0 out of 5.0 from Encompass The communication was amazing. Any time we had a question, it was answered in depth and immediately. OwenElizabeth City, NC Sep 13
The communication was amazing. Any time we had a question, it was answered in depth and immediately.
Rating: 5.0 out of 5.0 from Encompass Ben went above and beyond to make sure we were able to close in a tight time frame. He was responsive and made the whole process so much easier Kristin LChesapeake, VA Sep 10
Ben went above and beyond to make sure we were able to close in a tight time frame. He was responsive and made the whole process so much easier
Rating: 5.0 out of 5.0 from Encompass Ben was quick to respond and really on top of everything! He made the experience great. Ricardo JChesapeake, VA Sep 09
Ben was quick to respond and really on top of everything! He made the experience great.
Rating: 5.0 out of 5.0 from Encompass Ben was amazing to work with! My clients got under contract and closed within 17 days with a conventional loan! He was able to facilitate a seamless transaction with my clients also having to sell and there were zero delays or hiccups in our process. He was extremely prompt, always friendly and went above and beyond to make everything work out perf... EMILYChesapeake, VA Sep 01
Ben was amazing to work with! My clients got under contract and closed within 17 days with a conventional loan! He was able to facilitate a seamless transaction with my clients also having to sell and there were zero delays or hiccups in our process. He was extremely prompt, always friendly and went above and beyond to make everything work out perf...
Rating: 5.0 out of 5.0 from Encompass Ben is so knowledgeable and communicative and meets any hurdles with dedicataion and preserverance. He is a 10 of 10 loan officer. Highly Recommend! ALLISONElizabeth City, NC Aug 26
Ben is so knowledgeable and communicative and meets any hurdles with dedicataion and preserverance. He is a 10 of 10 loan officer. Highly Recommend!
Rating: 5.0 out of 5.0 from Encompass Ben was knowledgeable and efficient which made our experience seamless!! We are grateful to have had him assist us through out our entire home buying process. He was able to answer any questions we had regarding our loan and helped us understand the process better. He was able to quickly do every step to make... Margaret GChesapeake, VA Aug 21
Ben was knowledgeable and efficient which made our experience seamless!! We are grateful to have had him assist us through out our entire home buying process. He was able to answer any questions we had regarding our loan and helped us understand the process better. He was able to quickly do every step to make...
Rating: 5.0 out of 5.0 from Encompass Ben work with me diligently to help us get what I needed to purchase my home. JonMOYOCK, NC Aug 17
Ben work with me diligently to help us get what I needed to purchase my home.