Apply
Ready when you are.
The application takes most people 20 to 30 minutes, and you can save and come back. Before you start, here is exactly what happens and what you'll need — no surprises.
Not sure yet? A rate quote takes two minutes, needs no credit pull, and does not commit you to anything. Plenty of people do that first.
What happens after you click
Create your account
You set up a secure login on our application platform. This keeps your documents encrypted and lets you stop and come back rather than doing it in one sitting.
Complete the application
The standard mortgage application — income, employment, assets, and the property if you have one identified. Most people take 20 to 30 minutes.
We pull credit and review
This is the point where your credit is pulled, with your authorization as part of the application. We review the file and come back to you with anything missing.
Pre-approval
Once income and assets check out, you get a pre-approval letter to attach to offers. From there we shop the loan across wholesale lenders.
What you'll need
You don't need all of this to start — you can begin and upload as you go — but having it to hand makes the whole thing faster.
- Recent pay stubs, or two years of tax returns if you're self-employed.
- Two years of W-2s or 1099s.
- Recent statements for the accounts holding your down payment.
- Photo ID.
- For a VA loan, your Certificate of Eligibility if you have it.
- If you're already under contract, the purchase agreement.
Who you're applying with
Your application goes to Jeff Zimmer, Loan Officer at Triangle Mortgage LLC. You will work with the same person from here through to closing day.
Both licenses can be verified independently on NMLS Consumer Access. Triangle Mortgage lends on North Carolina property only.
Start your application
Secure, save-and-return, and about 20 to 30 minutes.