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Bob is a dedicated family man who was born and raised in Newport News. He has deep roots in the community, having graduated from Menchville High School and being a lifelong member of St. Andrews Episcopal Church. After high school, Bob pursued his passion for baseball and played at Campbell University and East Carolina University, where he completed his studies in 1995. It was during his time at ECU that he met his wife, Melanie, and they have been happily married for 25 years.
Together, Bob and Melanie have three children: Maggie, Bobby, and Libby. Maggie is 23 years old, Bobby is 22, and Libby is 20. The family also includes a beloved golden retriever named Banks. Bob takes immense pride in his family and considers them to be the most important part of his life.
Professionally, Bob is the Branch Manager of the Newport News branch and has been working as a Loan Originator for 17 years. He was recently elected to the Board of the Boys & Girls Club of Virginia Peninsula. He is also a founder and partner of Crab Shack on the James and James River Fishing Pier, demonstrating his entrepreneurial spirit. Outside of work, Bob enjoys various hobbies and activities. He is an avid fisherman and appreciates skiing, golfing, hunting, and attending live concerts. Additionally, he finds joy in cooking with his wife, Melanie.
Bob takes great satisfaction in assisting his clients and helping them achieve their dream of homeownership. He values honesty and integrity in his work and has built long-lasting relationships with many of his first-time homebuyers who have gone on to purchase multiple homes over the years. Bob feels honored that his clients trust him to guide them through the significant investment of buying a home.
Bob made himself available for my questions and concerns at any time. He returned my calls and emails on the weekends and I knew I had his support and guidance throughout the entire loan process. Melissa YORKTOWN, VA April 07 Rating: 4.2 out of 5.0 from Encompass
Bob made himself available for my questions and concerns at any time. He returned my calls and emails on the weekends and I knew I had his support and guidance throughout the entire loan process.
Bob and his team made the process so easy and communicated to us throughout the entire loan process so everything went smoothly. Maeve Johanna YORKTOWN, VA April 04 Rating: 5.0 out of 5.0 from Encompass
Bob and his team made the process so easy and communicated to us throughout the entire loan process so everything went smoothly.
Mr. Wharton was excellent, as well his whole team. Questions were answered promptly. Concerns were handled directly. We had a complicated mortgage and Bob worked Tirelessly to get this done. Can't thank him enough. David Wayne NEWPORT NEWS, VA March 25 Rating: 5.0 out of 5.0 from Encompass
Mr. Wharton was excellent, as well his whole team. Questions were answered promptly. Concerns were handled directly. We had a complicated mortgage and Bob worked Tirelessly to get this done. Can't thank him enough.
Excellent communication and they made it a very easy process for first time homebuyers. Anthony WILLIAMSBURG, VA March 16 Rating: 5.0 out of 5.0 from Encompass
Excellent communication and they made it a very easy process for first time homebuyers.
Bob and his team were outstanding throughout the entire process. I originally contacted Bob on Christmas Eve and was surprised to receive an immediate response. From that point forward, I received consistent and transparent updates on my loan application, even throughout the holiday season. Thanks to their efficiency and dedication, I was settled i... Jennifer WILLIAMSBURG, VA February 16 Rating: 5.0 out of 5.0 from Encompass
Bob and his team were outstanding throughout the entire process. I originally contacted Bob on Christmas Eve and was surprised to receive an immediate response. From that point forward, I received consistent and transparent updates on my loan application, even throughout the holiday season. Thanks to their efficiency and dedication, I was settled i...
The entire process included timely communication, questions answered with clarity and answered quickly. Overall experience was excellent. We felt like we were the only clients. Darrel NEWPORT NEWS, VA January 19 Rating: 5.0 out of 5.0 from Encompass
The entire process included timely communication, questions answered with clarity and answered quickly. Overall experience was excellent. We felt like we were the only clients.
On 04/30/2026 at 2:30 pm
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