Eager to learn more about your mortgage options here in the Triangle? We’ve got you covered! We even have a handy mortgage calculator to help you estimate your monthly payments!


It’s a common misconception that there are only a few mortgage options… in actuality, there are hundreds of loan options available to Triangle home buyers. Of course, not every loan will work for every type of buyer; many mortgages are designed to target particular locations, career fields, income brackets, credit scores, situations, and more. There are even some loans specially for first-time buyers!

So, if you’re not sure whether you can qualify for a loan, it’s definitely worth the effort to do a little research—or at least reach out to a local lender or real estate team with any questions.

Cornerstone Home Lending

Cathy Stubbs
Loan Officer
NMLS ID# 93391
Office: 919.550.2519
Cell: 919.422.2800
336 East Main Street
Clayton, North Carolina 27520
Branch NMLS 1555104

Integrity Home Mortgage for HTR

Integrity Home Mortgage

Callie Johnson & Naomi Stevens
NMLS ID #208516
Call/Text: 919.523.2816
1019 Oberlin Road
Raleigh, North Carolina 27605
Branch NMLS 2442149

Homespire Mortgage Lender for HTR

Homespire Mortgage

Rob Youncofski
Branch Manager
NMLS# 1158596
Call: 919.322.8201
421 E Main St, Suite 101 & 103, Clayton, NC 27520

Atlantic Bay Mortgage

Blake Herring
NMLS #1374701
Licensed in NC & SC
Cell: 252.560.3592

Atlantic Bay Mortgage

Kea Blevins
NMLS #1158596
Licensed in NC, SC, & GA #63994
Cell: 678.234.5937

Mortgages Commonly Used by Triangle Home Buyers

This is hardly an exhaustive list of your possible options, but it’ll at least give you an idea of some of the more common loan options used by buyers in the Triangle area. If you want to know what’s specifically available to you, it’s always best to ask a lender. Need a lender recommendation? We can help with that!


Convential Loan

  • Most common, targeted to “average” buyers
  • requires a down payment of at least 5%. May go down to 3% for first time homebuyers if all requirements are met.
  • Often requires a 20% down payment; lower down payments require mortgage insurance
  • Typically 15 or 30 year terms

VA Loan

  • Available to most active military and veterans
  • Flexible income and credit requirements
  • As little as 0% down payment WITHOUT a mortgage insurance requirement
  • May require a one-time funding fee

FHA Loan

  • Common among first-time or lower-income buyers
  • Flexible income and credit requirements
  • Down payments as low as 3.5%, but requires mortgage insurance
  • May have higher interest rates

USDA Rural Loan

  • Targeted to buyers in more rural areas
  • Requires at least a 620 credit score
  • As little as 0% down, (low) mortgage insurance

Jumbo Loan

  • Used by buyers purchasing more expensive homes that need a loan larger than $647,201 and higher.
  • Requires excellent credit, low debt-to-income ratio, and significant assets in cash or savings
  • Typically requires a 20% down payment
  • Interest rates are often competitive with conventional loans

Mortgage Calculator

Not quite sure what your ideal home price range looks like? Estimate your monthly payments at various home prices (as well as interest rates and down payment percentages!) to see what’s in your budget. Want a more specific estimate of what you might be able to afford? Contact HTR today!