How much house can you afford in Durham? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
RTP Nationwide Mortgage
5.0 · 277 reviews · Free pre-approval
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Blackwell Mortgage
5.0 · 144 reviews · Free pre-approval
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Union Home Mortgage
4.8 · 132 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Known for clear communication and ongoing support, RTP Nationwide Mortgage helps both first-time and experienced buyers navigate home financing with care and professionalism. The team offers mortgage lending services that many Realtors find reliable and efficient, though some clients note the process can require patience.
Certified as a Mortgage Adviser, Blackwell Mortgage focuses on personalized mortgage plans, especially for self-employed clients and investors. They offer a broad range of loan options for homebuyers and refinancing, with clear communication and ongoing support throughout the process. Some clients note the team’s responsiveness and helpful guidance in navigating complex situations.
Union Home Mortgage specializes in helping first-time buyers with its innovative 1% Down Payment Program, making homeownership more accessible. The team offers a variety of loan options, including FHA, VA, and refinancing, and is known for clear communication and responsive support throughout the mortgage process. Some customers note the process can feel detailed but appreciate the thorough… more...
Union Home Mortgage specializes in helping first-time buyers with its innovative 1% Down Payment Program, making homeownership more accessible. The team offers a variety of loan options, including FHA, VA, and refinancing, and is known for clear communication and responsive support throughout the mortgage process. Some customers note the process can feel detailed but appreciate the thorough guidance.
Fairway Independent Mortgage Corporation specializes in simplifying the home loan process with personalized guidance and a variety of loan options, including FHA, VA, Jumbo, and USDA loans. The team supports clients through purchases, refinances, and reverse mortgages, maintaining clear communication to help make borrowing less stressful.
New American Funding - Anthony Holt is known for clear communication and keeping clients informed throughout the mortgage process. The team offers a range of mortgage services and is appreciated for their responsiveness and follow-through. Some customers note that updates can be frequent, which suits those who prefer regular contact.
Known for its wide range of flexible loan programs, Pinnacle Funding, Inc. helps clients navigate options from conventional to specialized loans like DSCR and foreign national financing. The team guides borrowers through each step with clear explanations and responsive communication, making the mortgage process accessible and straightforward.
Known for a responsive and patient approach, Devon Mortgage LLC guides clients through home purchases and refinancing with clear explanations and attentive support. The team focuses on finding good rates and ensuring timely closings, helping first-time buyers and repeat clients feel confident throughout the mortgage process.
First Heritage Mortgage, LLC focuses on clear communication and responsiveness throughout the mortgage process. The team assists with securing home loans while balancing patience and accountability to keep clients on track. Customers appreciate their professionalism and timely service, though the process can still feel detailed at times.
Known for guiding first-time homebuyers through a smooth mortgage process, Gunn Mortgage Group offers personalized loan assistance with attentive communication. The team helps clients navigate home loans and often works to secure competitive rates. Customers appreciate their responsiveness and clear explanations throughout the process.
With over 20 years of experience, BEST Mortgage focuses on home loans for purchases and refinancing, including cash-out options. The team guides clients through the process efficiently, offering competitive rates and responsive service. Customers appreciate their knowledge and smooth communication throughout the loan process.
Lenders made 4,409 home-purchase loans in Durham County in 2025 (average about $438,000) and denied 396 — 8% of decided applications, compared with 14% across North Carolina, according to federal mortgage data (HMDA, CFPB). In Durham, the median home is worth $392,800 and 71% of owners have a mortgage, paying a median $1,831 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Durham County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | RTP Nationwide Mortgage | 5.0 | 277 | Quoted per loan | (252) 565-0268 | Visit |
| 2 | Blackwell Mortgage | 5.0 | 144 | Quoted per loan | (919) 673-7905 | Visit |
| 3 | Union Home Mortgage | 4.8 | 132 | Quoted per loan | (919) 321-1134 | Visit |
| 4 | Fairway Independent Mortgage: Rob Downing, Branch Manager | 4.9 | 64 | — | (919) 403-3200 | Visit |
| 5 | New American Funding - Anthony Holt | 5.0 | 55 | — | (919) 451-6089 | Visit |
| 6 | Pinnacle Funding, Inc. | 5.0 | 50 | Quoted per loan | (919) 281-0191 | Visit |
| 7 | Devon Mortgage LLC | 5.0 | 31 | Quoted per loan | (919) 602-2335 | — |
| 8 | Audra Ange at First Heritage Mortgage, LLC | 5.0 | 26 | — | (919) 491-8369 | Visit |
| 9 | Gunn Mortgage Group | 5.0 | 4 | — | (919) 619-5339 | Visit |
| 10 | BEST Mortgage | 5.0 | 2 | — | (919) 612-5322 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.