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Durham’s housing market is one of the most competitive in the Triangle – and having the right partner makes all the difference. Whether you’re buying your first home, refinancing an existing mortgage, or planning to build, our local loan experts are here to simplify the process and support you every step of the way.
Tony Cash
Mortgage Loan Officer
NMLS#: 387842
I’ve built my career around helping clients in Durham and across the Triangle find the best path to homeownership. Whether you’re purchasing a new home, building from the ground up, or refinancing, I’ll take the time to understand your goals and connect you with a loan program that fits both your short- and long-term financial plans. I offer conventional, FHA, VA, USDA, jumbo, and construction financing options.
Apply NowHome Loan and Refinancing Services in Durham
Durham’s diverse housing market means no two buyers are alike. From walkable downtown condos to suburban homes in neighborhoods like Woodcroft or Hope Valley, Tony Cash provides customized loan solutions to match each situation.
Fixed-Rate Mortgages
Ideal for those seeking stable payments throughout the term of the loan, providing predictability in a fluctuating market.
Adjustable-Rate Mortgages
With lower initial payments, ARMs are perfect for buyers who plan to move or refinance before the mortgage rate adjusts.
Jumbo Mortgages
Designed for buyers looking at higher-priced homes, a jumbo mortgage allows for loan amounts beyond conventional limits.
FHA Loans
An FHA loan offers a lower down payment and flexible credit standards, making it a good option for first-time homebuyers.
VA Loans
Exclusively for veterans and military families, VA loans offer no down payment and competitive rates when buying a home.
USDA Loans
Great for rural areas. Buying with a USDA loan requires no down payment and offers low interest rates.
Manufactured Home Loans
An affordable solution for buyers seeking alternative housing options with flexible financing and an easy online application.
First Time Homebuyer Loans
Low down payment required, making homeownership accessible for first time homebuyers without significant savings.
Investment Property Loans
Designed for those looking to invest in real estate and unlock the potential of a rental property to generate income.
Second Home Loans
We’re here to turn your dream of buying a second home into reality, offering great loan options tailored to suit your unique needs.
Hello, Durham
Durham blends historic charm with cutting-edge innovation, attracting professionals, families, and retirees alike. With a booming economy driven by education, healthcare, and tech, competition for homes is high and properties often move quickly.
Working with a Durham-based loan officer gives you an edge in a fast-paced market. Tony combines market insight with responsive service, ensuring you’re well-positioned to make strong offers and navigate the lending process efficiently.
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Understanding Homebuyer Programs in Durham
Different buyers have different needs – and Durham offers access to a wide range of mortgage programs. Tony works closely with each client to identify the most beneficial program for their goals.
Eligibility for Mortgage Programs in Durham
Eligibility depends on credit score, income, and property location. FHA programs may be available with credit scores as low as 580, while conventional and VA loans typically require 620 or higher. USDA loans are more restrictive inside Durham’s core but may apply to homes on the outskirts.
Tony will review your financial profile, explain requirements, and provide a loan estimate so you can plan with confidence.
Improving Credit to Secure Pre-Approval
In a market as competitive as Durham’s, pre-approval is often the deciding factor in winning a home. Tony helps clients prepare by reviewing credit reports, identifying opportunities to raise scores, and offering practical strategies – such as paying down revolving debt or correcting errors.
With a pre-approval in hand, you’ll know your budget and demonstrate to sellers that you’re a serious, qualified buyer. This preparation can make all the difference in securing a home in Durham’s fast-moving real estate market.
Ready to Take the Next Step?
