From first-time buyers and move-up purchasers to seasoned real estate investors and construction clients, our team provides a comprehensive range of financing options tailored to each client’s goals. We combine deep product knowledge, personalized guidance, and a consultative approach to help clients navigate traditional and government loans, portfolio and construction financing, HELOCs, DSCR loans, and other specialty programs. With a focus on clarity, confidence, and long-term strategy, Mullins Mortgage Strategic Group delivers smart lending solutions at every stage of the mortgage process.

Mullins Mortgage Strategic Group
Your Trusted Mortgage Advisors
Our mission is to provide strategic, transparent, and personalized mortgage solutions that empower clients to make confident financial decisions. Through expertise, integrity, and long-term relationships, we guide individuals and families toward successful homeownership and lasting financial stability.
Mullins Mortgage Strategic Group is a dedicated team of experienced loan professionals committed to delivering thoughtful, strategic lending solutions for today’s homebuyers, investors, and builders
What We Offer
Conventional & Property Types
Government Loan Products
Jumbo Products
HELOC's
Portfolio Loans
Construction & Bridge Financing
Equity, Assistance & Specialty Products
DSCR Loans
Why Choose Us?
Every loan is approached with a customized strategy—matching the right product to your goals, not forcing you into a preset solution.
Broad Lending Expertise Under One Roof
From traditional and government loans to portfolio, construction, and investment financing, our team offers solutions many lenders simply can’t.
Backed by the Strength of Resource Financial
Clients get the personal attention of a dedicated team with the resources, stability, and lending power of an established financial institution.
Clear Guidance From Start to Finish
We simplify complex loan options, communicate proactively, and guide you confidently through every step of the process.
Resource Financial Services
Established in 2008 as a retail banking firm serving borrowers across the Southeast, Resource Financial is licensed in 13 states and headquartered in Columbia, South Carolina where it is South Carolina’s largest privately owned mortgage bank. We are proud to have been listed on the Inc. magazine 500/5000 list of fastest growing privately held mortgage companies in the nation four times since 2012.

Andrew Mullins
Senior Mortgage Banker | Team Lead
Mullins is a highly experienced and accomplished senior mortgage banker with an impressive track record in the industry. With over 21 years of expertise in mortgage lending, Mullins has established himself as a trusted advisor and a go-to resource for individuals and families seeking financing solutions for their real estate needs.
Throughout Mullins’s career, he has successfully facilitated numerous mortgage transactions, helping clients navigate the complexities of the lending process with ease. His in-depth knowledge of mortgage products, interest rates, and market trends allows he and his team to provide tailored advice and customized solutions that align with each client’s unique goals and financial circumstances.
As a senior mortgage banker, Mullins takes pride in his ability to build strong relationships with clients, earning their trust and confidence through transparent and open communication. He and his team understand that purchasing a home or refinancing a mortgage is a significant financial decision, and they are committed to guiding clients every step of the way, ensuring a smooth and stress-free experience.
In addition to being a seasoned professional, Mullins keeps a pulse on the ever-evolving mortgage industry. He stays up to date with the latest regulations, industry best practices, and emerging technologies to deliver cutting-edge solutions to their clients. His dedication to ongoing professional development reflects their passion for excellence and their commitment to providing the highest level of service.
With a reputation for integrity, professionalism, and exceptional results, Mullins is a sought-after mortgage banker known for delivering outstanding outcomes. Whether you are a first-time homebuyer, a seasoned investor, or someone looking to refinance, Mullins is ready to leverage their expertise and guide you towards achieving your homeownership and financial goals.
Meet Andrew's Team

Sean Seabring
Mortgage Banker Assistant
Sean helps borrowers in South Carolina and North Carolina with his attention to detail and commitment to customer service. A member of the National Guard, he brings his military experience and discipline to the mortgage industry, helping to help turn what can potentially be a stressful thing – purchasing a home for the very first time and moving – into an exciting and hassle-free experience.
“I listen and put the needs of my customers before mine, and will work as hard as I can to help them achieve their goals and aspirations,” says Sean. “I remember how crazy the whole process of buying my house was and having a loyal dedicated person in my corner really made the difference. That’s the kind of support and guidance I want to give my customers, so that buying a house can be as happy and stress free as possible.”
An avid outdoorsman, Sean enjoys camping, hunting, shooting, hiking and all outdoor activities.

Toni Darlington
Mortgage Loan Processor
Toni Darlington ensures that every mortgage loan moves efficiently from application to approval. She manages and reviews loan documentation, coordinates closely with loan officers, underwriters, and third-party partners, and ensures all files meet regulatory and investor guidelines. With a strong attention to detail and a focus on clear communication, Toni keeps loans on track and helps deliver a smooth, timely experience for every borrower.

Christine Miller
Credit Repair Specialist
Christine is a graduate of the University of Maryland University College with a bachelors degree in management studies. Her background includes six years experience working as a credit analyst with a mortgage company. As a mortgage banker, she uses that knowledge to streamline the process for her customers, moving them quickly through the approval and loan process.
As our in-house Credit Repair Specialist, Christine helps you build a positive credit profile and gives you the tools to work towards a great credit score.
When she isn’t assisting her customers with mortgage loans and refinances, Christine volunteers to help victims of kidney disease and their family members. A kidney donor herself, she raises awareness and offers support to families all over the country who are affected by this debilitating disease.

Rick Joyner
Manager
Rick has more than 30 years experience in the mortgage industry in both commercial and residential lending. During his tenure in the industry, he has provided mortgages to clients covering all product types to include VA, USDA, FHA, Conventional, Jumbo and the North Carolina Housing Programs. Rick leverages his experience in the industry to help his clients choose the best programs and products.
Rick serves on several community boards and is active in his church, First United Methodist Church in Cary, NC, where he serves on both the Finance Committee and Building Committee. In his free time he enjoys traveling with his wife as well as playing golf and tennis.

Ken Updegrave
Reverse Mortgage Specialist
Ken has been working in the mortgage industry for the past 18 years. with more than 12 of those years spent specializing in reverse mortgages. He holds a bachelor of arts degree in Accounting and was a CPA and accounting and human resources software implementation specialist before beginning his career in mortgage planning. Fun fact about Ken: He passed his CPA exam in one sitting after being out of college for eight years!
“Not one of my clients ever woke up one day thinking they needed a reverse mortgage to make their lives complete,” says Ken. “They all have individual concerns or desires they want to accomplish in their lives and I am often blessed to be able to help them accomplish those goals.”
When he is not helping his clients achieve their lifelong goals, Ken and his wife Ginger, who recently celebrated their 30th wedding anniversary enjoy spending time with their two adult sons and their new grandchild. A family of dog lovers, they currently have three at home now: Zeus, Lucy and Maui. Ken is the current President of the Raleigh Sports Club, where they host world famous sports figures speaking about their experiences in the sports world. He also serves his fraternity as a Chapter Advisory Leader to the undergraduate chapter and he participates nationally in best practices training with many chapter advisory board members and their undergraduates throughout the US and Canada.

Kasey Davis
Sr. Team Closing Manager
Kasey Davis ensures that every mortgage loan closes smoothly, accurately, and on time. She leads and supports the closing team, coordinates with loan officers, underwriters, and third-party partners, and oversees compliance throughout the closing process. With a focus on efficiency and a seamless borrower experience, Kasey keeps the team organized and ensures every loan reaches the finish line successfully.