The Triangle's Local Mortgage Broker

Most clients have a pre-approval letter within 1-2 hours of submitting their application with required documentation. In Raleigh-Durham, where good homes routinely go under contract in days, being pre-approved before you start searching isn't optional. It's the baseline.

No. Most of our Raleigh and Durham clients put down far less. FHA loans allow as little as 3.5% down, conventional loans can be as low as 3%, and VA or USDA loans may require zero down if you qualify. We also have down payment assistance options. We'll find the best fit for your situation.

A bank only offers their own loan products. As an independent mortgage broker, Professor Lending shops across 25+ nationwide and local lenders to find you the best rate and terms. We work for you, not a bank's quota. 

Some do, though the USDA eligibility map has shifted as the Triangle has grown. Communities further out—parts of Johnston County, Chatham County, and some areas south of Durham—may still qualify for zero-down USDA financing. We can check any address for free.

Most clients have a pre-approval letter within 24 hours of submitting their application. In a competitive Raleigh-Durham market, being pre-approved before you start searching gives you a real edge.

Frequently, yes. Builder-preferred lenders offer convenience (though not without major headaches and delays), not necessarily the best rate or best service. Because we shop 25+ lenders, we often find better pricing. And unlike the builder's lender, we're working for you, not for the builder's closing timeline.