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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.
Rating: 5.0 out of 5.0 from Encompass As a first-time homebuyer, I couldn't have asked for a better mortgage lender. They took the time to walk me through every step of the process, patiently answering my questions and making sure I understood all of my options. Their explanations were always clear, and they provided honest guidance on what made the most sense for my situation. Their ... Quincey LayneHAMPTON, VA Jun 05
As a first-time homebuyer, I couldn't have asked for a better mortgage lender. They took the time to walk me through every step of the process, patiently answering my questions and making sure I understood all of my options. Their explanations were always clear, and they provided honest guidance on what made the most sense for my situation. Their ...
Rating: 5.0 out of 5.0 from Encompass Communication was top tier and Ibwas easily reassured over any questions I had through the process. SierraROME, GA Jun 01
Communication was top tier and Ibwas easily reassured over any questions I had through the process.
Rating: 5.0 out of 5.0 from Encompass Bob was very helpfull and went out his way to answer questions. ArneHAYES, VA May 18
Bob was very helpfull and went out his way to answer questions.
Rating: 5.0 out of 5.0 from Encompass Easy preapproval, got my client the house she wanted MatthewNEWPORT NEWS, VA May 14
Easy preapproval, got my client the house she wanted
Rating: 5.0 out of 5.0 from Encompass Communication was consistent and thorough, all questions were answered and made for a pleasant experience HopeYORKTOWN, VA May 04
Communication was consistent and thorough, all questions were answered and made for a pleasant experience
Rating: 4.8 out of 5.0 from Encompass Easy to understand and see where you are in the process. Lee AnnNEWPORT NEWS, VA May 01
Easy to understand and see where you are in the process.
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. MelissaYORKTOWN, VA Apr 17
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.
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. Maeve JohannaYORKTOWN, VA Apr 14
Bob and his team made the process so easy and communicated to us throughout the entire loan process so everything went smoothly.
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. David WayneNEWPORT NEWS, VA Mar 25
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.
Rating: 5.0 out of 5.0 from Encompass Excellent communication and they made it a very easy process for first time homebuyers. AnthonyWILLIAMSBURG, VA Mar 16
Excellent communication and they made it a very easy process for first time homebuyers.
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... JenniferWILLIAMSBURG, VA Feb 16
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...
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. DarrelNEWPORT NEWS, VA Jan 19
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.
Rating: 5.0 out of 5.0 from Encompass Bob provided outstanding service throughout the entire loan process. From our first conversation, he was responsive, knowledgeable, and genuinely invested in ensuring we understood every step. He took the time to explain options clearly, answer questions promptly, and anticipate potential issues before they became problems. I highly recommend! George JacobWILLIAMSBURG, VA Dec 22
Bob provided outstanding service throughout the entire loan process. From our first conversation, he was responsive, knowledgeable, and genuinely invested in ensuring we understood every step. He took the time to explain options clearly, answer questions promptly, and anticipate potential issues before they became problems. I highly recommend!
Rating: 5.0 out of 5.0 from Encompass If I had a question, it was answered quickly and I knew where we were in the process the entire time Joseph HNEWPORT NEWS, VA Dec 08
If I had a question, it was answered quickly and I knew where we were in the process the entire time
Rating: 5.0 out of 5.0 from Encompass Everyone we dealt with was very kind and we got the closing done very quickly compared to what I experienced with my first house! Overall great experience Kirsten MichelleYORKTOWN, VA Nov 25
Everyone we dealt with was very kind and we got the closing done very quickly compared to what I experienced with my first house! Overall great experience
Rating: 5.0 out of 5.0 from Encompass Mr Bob communication was excellent and very responsive to all questions. I could not be happie. Charles GilbertYORKTOWN, VA Nov 24
Mr Bob communication was excellent and very responsive to all questions. I could not be happie.
Rating: 5.0 out of 5.0 from Encompass Constant communication MattYORKTOWN, VA Nov 14
Constant communication
Rating: 5.0 out of 5.0 from Encompass Everyone was very polite and professional. They made sure that every step towards our goal of being approved for our hone loan was communicated. I would recommend this group to everyone. Thanks for everything Angela, Allison and Bob you're the best. Sharan DLOGANVILLE, GA Nov 12
Everyone was very polite and professional. They made sure that every step towards our goal of being approved for our hone loan was communicated. I would recommend this group to everyone. Thanks for everything Angela, Allison and Bob you're the best.
Rating: 5.0 out of 5.0 from Encompass Bob always makes time to answer your questions BrookeHAMPTON, VA Oct 10
Bob always makes time to answer your questions
Rating: 5.0 out of 5.0 from Encompass Bob Wharton was amazing in the whole process making it easy and simple to get my first home and I'm thankful for it thank you Bob! Miguel AngeloNEWPORT NEWS, VA Oct 04
Bob Wharton was amazing in the whole process making it easy and simple to get my first home and I'm thankful for it thank you Bob!
Rating: 5.0 out of 5.0 from Encompass I recently had the pleasure of working with Bob Wharton and I couldn’t be more pleased with how smoothly everything went. From start to finish, he was communicative, organized, and proactive — which made all the difference in keeping the process on track. Our mutual clients were extremely happy with the level of service and support they receive... ChristineCHESTER, VA Sep 11
I recently had the pleasure of working with Bob Wharton and I couldn’t be more pleased with how smoothly everything went. From start to finish, he was communicative, organized, and proactive — which made all the difference in keeping the process on track. Our mutual clients were extremely happy with the level of service and support they receive...
Rating: 5.0 out of 5.0 from Encompass Bobby was great to work with. ChristopherPOQUOSON, VA Sep 10
Bobby was great to work with.
Rating: 5.0 out of 5.0 from Zillow Bob was very helpful and knowledgeable throughout the home buying process. He also made himself available to answer any questions or concerns I had. No matter what day it was he answered. MorrisHampton, VA Aug 20
Bob was very helpful and knowledgeable throughout the home buying process. He also made himself available to answer any questions or concerns I had. No matter what day it was he answered.
Rating: 5.0 out of 5.0 from Encompass Bob was very responsive to our requests for information. Francisco JavierNEWPORT NEWS, VA Aug 19
Bob was very responsive to our requests for information.
Rating: 5.0 out of 5.0 from Encompass Bob And his team were awesome to work with and were always available to answer any questions I had. His team ensured I always had up to date information regarding my loan information and made sure I had access to all the supporting documentation I needed to close on my house! JeremyNEWPORT NEWS, VA Jul 19
Bob And his team were awesome to work with and were always available to answer any questions I had. His team ensured I always had up to date information regarding my loan information and made sure I had access to all the supporting documentation I needed to close on my house!