Expertise.com Homepage

2024

Last updated:

Best Mortgage Brokers in Durham, NC

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Durham Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

46Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

215 East Chatham Street, Cary, NC 27511
WebsiteLicense: 71774

Expertise.com Rating

Review Sources

Google
4.0 (134)
Facebook
5.0 (17)

Why choose this provider?

The Sherry Riano Team is a mortgage broker that serves Durham and other areas in North Carolina. The company provides home, FHA, VA, jumbo, specialty, and conventional loans. It also assists borrowers who plan to construct, renovate, or refinance their homes. The loan officers of the brokerage aim to educate their clients on their options and aid them throughout the loan process. Its owner, Sherry Riano, has more than 20 years of experience in the mortgage industry.

  • New Construction

245 North Carolina 54, Durham, NC 27713
WebsiteLicense: 1848718

Expertise.com Rating

Review Sources

Google
4.0 (189)

Why choose this provider?

RTP Mortgage serves property owners in and around Durham. The agency offers home loans for purchase, refinance, and investment purposes. Matt Boller, Tracey Keith, and Josh Goodson—its mortgage professionals—deal with a range of loan products from different lenders to find the right package for their clients' needs. Past customers have shown appreciation for the team at RTP Mortgage for its personalized service displayed through thorough explanations and responsiveness. RTP Mortgage is an Equal Housing Opportunity supporter.

  • Purchase Loans
  • New Construction
  • Single-Family Loans

1780 Heritage Center Dr., Wake Forest, NC 27587
WebsiteLicense: 1849774

Expertise.com Rating

Review Sources

Google
5.0 (68)
Facebook
5.0 (5)

Why choose this provider?

Ace Mortgage Group LLC helps the residents of Durham achieve their financial goals by linking them with lenders. It guides first-time homeowners and real estate investors through the process of selecting mortgage programs that match their objectives and financial resources, whether they're purchasing a property, refinancing an existing loan, or consolidating debt. The brokerage also provides a mortgage calculator to help borrowers plan out their potential expenses. Ace Mortgage Group strives to establish long-term relationships with clients by continuously providing services after their initial transaction.

  • Refinance

3608 Shannon Road Suite 100, Durham, NC 27707
WebsiteLicense: 152440

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

Devon Mortgage LLC is owned by Brian Kenedy. As a Durham-based mortgage broker, Brian has been serving clients in Durham and the surrounding communities for more than 16 years. He works to make the process of securing a mortgage simple and understandable. On purchases, he meets with clients to craft a home purchase plan tailored to their needs. For refinances, he provides net financial benefit analyses of the options so clients can decide what fits them best. Clients can call, email, or text Brian with their mortgage questions.

  • Refinance
  • New Construction

7721 Six Forks Road, Raleigh, NC 27615
WebsiteLicense: 131445

Expertise.com Rating

Review Sources

Google
5.0 (100)

Why choose this provider?

Michael Martin is a mortgage professional serving clients in Durham. He is a branch manager for Fairway Independent Mortgage Corporation, helping clients find the loan that fits their needs and financial situation. Michael assists clients in purchasing and refinancing their homes by providing various loan programs, including renovation, veteran, or reverse loans, in addition to educating his clients on the benefits of these options. Such benefits include lowering monthly payments, receiving cash from equity, and shortening the loan term.

  • Refinance

10224 Durant Road, Raleigh, NC 27614
WebsiteLicense: 106455

Expertise.com Rating

Review Sources

Google
4.0 (78)
Facebook
5.0 (47)
Yelp
3.0 (11)

Why choose this provider?

The Amy Bonis Mortgage Team is a mortgage brokerage that has been serving Durham in North Carolina since the early 1990s. It provides mortgages for buying or refinancing a home that will grow with the family. Passionate, educated, and strategic, the team is ready to help clients take the next step through personal consultations. It explores the costs of different financing options and researches approach in mortgage banking to help realize clients' dreams of financial independence no matter their situation.

  • Down Payment Assistance Loans
  • New Construction
  • Purchase

555 Mangum Street, Durham, NC 27701
WebsiteLicense: 1745727

Expertise.com Rating

Review Sources

Google
5.0 (29)

Why choose this provider?

Jasper Mortgage Group is a team of home loan specialists that serves the Durham area. Equipped with knowledge on various types of programs such as conventional, jumbo, FHA, and VA mortgages, they guide clients throughout loan proceedings with a commitment to help them reassess what debt means to their financial plans. The mortgage advisors also help homeowners who need refinancing assistance. Jasper Mortgage Group is headed by Christina Jasper, who has a commercial construction and financial planning background.

  • Refinance

1414 Raleigh Road, Chapel Hill, NC 27517
WebsiteLicense: 119234

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Frank Rexford is a senior mortgage banker representing Corporate Investors Mortgage Group in the Durham area. He has over a decade of experience in the field and has vast technical experience in real estate financing options and mortgage strategies. In addition, he is committed to sourcing out the best loan programs based on his clients' needs, such as conventional, jumbo, and government loans, as well as fixed- and adjustable-rate mortgages. His firm is also NMLS certified.

  • New Construction

1135 Kildaire Farm Road, Cary, NC 27511
WebsiteLicense: 1108665

Expertise.com Rating

Review Sources

Facebook
5.0 (54)
Google
4.0 (47)

Why choose this provider?

Miller Lending Group, LLC, is a Cary-based mortgage firm that has been serving clients in Durham and the surrounding communities for more than 30 years. It offers house purchase and refinance mortgage loan programs. In addition, Miller Lending Group's loan officers assist first-time homebuyers and explain to them the whole process of obtaining home purchase mortgage loans. They have over 20 years of mortgage experience on average and are led by the company's owner and founder, Gordon Miller.

  • Refinance

1208 Cole Mill Road, Durham, NC 27705
WebsiteLicense: 1220929

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (8)

Why choose this provider?

Victorian Finance helps Durham clients apply for a wide selection of mortgage products. These products range from renovation loans and fixed-rate mortgages to VA, USDA, and FHA loans. Its loan officers guide clients through the mortgage process by answering their questions, informing them of available mortgage options, and updating them on the status of their mortgage. President and founder Eugene Bringol holds a master's degree in business administration and has been working in the mortgage industry for over a decade.

  • Refinance

1003 High House Road, Cary, NC 27513
WebsiteLicense: 89877

Expertise.com Rating

Review Sources

Google
5.0 (40)

Why choose this provider?

Mortgage Choice Inc offers various mortgage loan programs for clients in Durham. These programs include conforming loans for first-time home buyers, investors, and clients who aim to purchase a new residential property. The company also carries government loans, such as FHA for borrowers who want flexible credit guidelines, VA for veterans needing cash-out refinancing services, and USDA for individuals wanting to purchase rural homes. Mortgage Choice's team of senior loan officers has over 25 years of experience in the industry.

  • New Construction
  • Refinance

148 East Street, Pittsboro, NC 27312
WebsiteLicense: 874808

Expertise.com Rating

Review Sources

Google
4.9 (51)
Yelp
5.0 (3)

Why choose this provider?

Carolina Home Mortgage has been offering brokerage services in Durham, Chatham, Pittsboro, Sanford, Siler City, Chapel Hill, and the surrounding areas for more than 15 years. It offers several loan types and mortgage products, including conventional loans, jumbo loans, FHA and VA loans, USDA rural development loans, and zero down payment loans. Additionally, the company offers credit score reviews and rate quote comparison services. Carolina Home Mortgage assists clients to identify red flags in their profile that might prevent them from qualifying for a home loan. When all is cleared, it helps them find the right lender.

  • New Construction

905 West Main Street, Durham, NC 27701
WebsiteLicense: 131199

Expertise.com Rating

Review Sources

Google
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Pinnacle Funding, Inc., provides mortgage solutions to Durham clients and the surrounding metro customers. The company has vast experience in the residential lending industry, assisting clients with purchasing and refinancing properties. Its loan programs include conventional, jumbo, FHA, HARP 2.0, USDA, and VA loans. It also offers construction and investor loans assistance, while its team helps clients with loan problems and high debt ratios. The company's senior loan originator Susan Trimmer has over 18 years of mortgage experience.

  • Refinance

140 Preston Executive Drive, Cary, NC 27513
WebsiteLicense: 195561

Expertise.com Rating

Review Sources

Google
4.9 (188)
Facebook
5.0 (122)
Yelp
4.1 (9)

Why choose this provider?

Barb Multari of Pathway Mortgage Group is a mortgage broker who caters to individuals and companies in the Durham area. She provides help to clients who are interested in purchasing or refinancing a home. In addition, she handles services such as renovation and veteran loans. She is also committed to educating potential and current customers by offering educational modules. Barb has been in the industry for over 20 years and still builds lasting relationships with the people she guides.

  • Refinance

1414 Raleigh Road, Chapel Hill, NC 27517
WebsiteLicense: 39460

Expertise.com Rating

Review Sources

Zillow
5.0 (323)
Google
4.0 (52)
Yelp
4.0 (11)

Why choose this provider?

CIMG Residential Mortgage in Chapel Hill is a locally owned and operated business that provides financing assistance for residents in Durham. Its team of loan officers helps clients throughout the whole process, from appraisal and underwriting to funding. They are committed to helping homebuyers find suitable financing options, which may be a VA, USDA, fixed-rate, or adjustable-rate mortgage. In addition, the home loan specialists assist homeowners with refinancing concerns. CIMG Residential Mortgage also has offices in Morehead City, Raleigh, and Shallotte.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
The Sherry Riano Team
215 East Chatham Street, Cary, NC 27511
RTP Mortgage
245 North Carolina 54, Durham, NC 27713
Ace Mortgage Group LLC
1780 Heritage Center Dr., Wake Forest, NC 27587
Devon Mortgage LLC
3608 Shannon Road Suite 100, Durham, NC 27707
Michael Martin
7721 Six Forks Road, Raleigh, NC 27615
The Amy Bonis Mortgage Team
10224 Durant Road, Raleigh, NC 27614
Jasper Mortgage Group
555 Mangum Street, Durham, NC 27701
Frank Rexford
1414 Raleigh Road, Chapel Hill, NC 27517
Miller Lending Group, LLC
1135 Kildaire Farm Road, Cary, NC 27511
Victorian Finance
1208 Cole Mill Road, Durham, NC 27705
Mortgage Choice Inc
1003 High House Road, Cary, NC 27513
Carolina Home Mortgage – Pittsboro
148 East Street, Pittsboro, NC 27312
Pinnacle Funding, Inc.
905 West Main Street, Durham, NC 27701
Barb Multari
140 Preston Executive Drive, Cary, NC 27513
CIMG Residential Mortgage - Chapel Hill
1414 Raleigh Road, Chapel Hill, NC 27517

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.