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Now Lending in Durham

Durham home loans —
Bull City living.

Smart Mortgage Solutions serves homebuyers, homeowners, real estate agents, and investors in Durham and the Triangle. From historic homes near downtown to condos around Brightleaf and homes near Ninth Street, we help you consider financing options for your next move — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
Bull City
Durham Area
14 days*
Close In As Little As
$832,750
2026 Durham County Conforming Limit
5.0 ★
Google Review Rating
Durham Markets

Local lending across
every Durham neighborhood.

Durham Neighborhoods

Explore the city's historic districts, downtown blocks, and residential communities.

  • Downtown & Brightleaf
  • Ninth Street & Duke Forest area
  • Old West Durham & Trinity Park
  • Hope Valley & South Durham
Around Bull City

Consider homes near Durham's universities, cultural sites, and local amenities.

  • Properties near Duke University
  • Homes near American Tobacco Campus
  • Durham County property financing
  • Purchase & refinance options
Financing for Durham Buyers

Explore choices for a range of property types and homeownership goals.

  • First-time & repeat buyers
  • Move-up purchases
  • Condos, townhomes & new construction
  • Investment property financing
DowntownBrightleafNinth StreetOld West DurhamTrinity ParkDuke ForestHope ValleySouth DurhamWoodcroft
Loan Programs in Durham

Financing for every
kind of Durham buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Durham homebuyers.

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VA Loans

0% down for Durham's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Durham's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Durham investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Durham's self-employed borrowers.

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FAQ

Durham mortgage
questions answered.

We serve homebuyers and homeowners in Durham and the Triangle, including Downtown, Brightleaf, Ninth Street, Old West Durham, Trinity Park, Hope Valley, and South Durham.
For a one-unit property in Durham County, the 2026 conforming loan limit is $832,750. The applicable limit depends on the property's county and unit count. Durham's municipal area extends into Wake and Orange counties, so a Durham city or mailing address does not establish that every property is in Durham County; verify the property's county.
Durham borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Durham home journey?

Get pre-approved today — no cost, no obligation. Durham borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825