Business Details
Your Trusted Mortgage Partner in Durham, NC
At Pinnacle Funding, we are dedicated to redefining excellence in the mortgage industry. Our mission centers on delivering unparalleled customer service by prioritizing the needs of every client we serve. With decades of combined experience, our team of seasoned professionals guides clients through every step of the home loan process, ensuring they select the mortgage solution best suited to their unique financial circumstances. We pride ourselves on transparency, integrity, and personalized attention, working tirelessly to transform the complex mortgage landscape into a confident, stress-free journey toward homeownership.Our commitment extends beyond closing the dealwe strive to build lifelong relationships by consistently exceeding expectations and empowering clients with the knowledge needed to make informed decisions. This philosophy has earned us a reputation as a trusted partner in residential lending, with a track record of satisfied clients who return for future transactions and refer us to their networks.
Services
Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
Non-QM Loans
Bank Statement Loans
DSCR Loans
USDA Loans
Highlights and features
- We offer 20+ years of mortgage industry experience with personalized service
- Our team provides transparent, no-hidden-fee loan processing
- We guarantee competitive rate comparisons for all loan programs
- Our brokers hold NMLS certifications and ongoing professional development
- We deliver 24/7 client support during the mortgage process
What people say
Knowledgeable and responsive
Stress-free process
Competitive rates
Excellent communication
Trusted advisors
Services
Purchase Loans
Our purchase loan specialists help first-time and repeat buyers secure financing for primary residences, investment properties, and second homes. We offer conventional, FHA, VA, and USDA loan options with competitive rates and flexible down payment requirements. Our team guides clients through pre-approval, contract negotiation, and closing to ensure a smooth transaction.
Refinance Loans
We provide rate-and-term refinancing, cash-out refinancing, and streamline options for conventional, FHA, and VA loans. Our process focuses on reducing monthly payments, shortening loan terms, or accessing home equity while maintaining clear communication throughout the 30-45 day average closing timeline.
FHA Loans
Our FHA loan program offers low down payment options (as low as 3.5%) for borrowers with credit scores starting at 580. We specialize in helping first-time buyers navigate government-backed financing with personalized credit counseling and down payment assistance guidance.
VA Loans
We offer zero-down-payment VA loans for eligible veterans, active-duty personnel, and surviving spouses. Our dedicated VA loan specialists handle Certificate of Eligibility processing, specialized underwriting, and streamlined IRRRL refinancing with a deep understanding of military service members' unique needs.
Non-QM Loans
Our non-qualified mortgage program serves borrowers with unique income documentation needs, including self-employed individuals and foreign nationals. We offer bank statement loans, asset-based qualification, and flexible debt-to-income ratio options while maintaining strict compliance with safety and soundness standards.
People
Douglas Quick
President
With over 25 years in mortgage banking, Douglas specializes in complex loan scenarios and has closed over $1 billion in volume. He holds NMLS #107581 and maintains active participation in the Mortgage Bankers Association. His expertise includes jumbo loan structuring and credit optimization strategies.
Christian Quick
Vice President
A top-producing loan officer since 2010, Christian focuses on first-time homebuyer education and community lending initiatives. He has facilitated over 1,500 transactions with a 98% client retention rate. Holds certifications in non-QM lending and automated underwriting systems.
Susan Trimmer
Senior Loan Officer
Specializing in VA loans and military relocation, Susan has served over 2,000 veteran families since 2005. She maintains a 5-star Google rating for her transparent communication style and rapid document turnaround times, averaging 24-hour response for client inquiries.
Loyd Trimmer
Loan Production Manager
With expertise in construction-to-permanent financing, Loyd oversees our new home loan division. He has implemented quality control systems that reduced closing delays by 40% and maintains active partnerships with 50+ local builders across North Carolina.
Questions
What mortgage loan options do you offer?
We offer conventional, FHA, VA, USDA, jumbo, non-QM, and bank statement loans for purchase or refinance needs.
How does the mortgage pre-approval process work?
Our pre-approval requires income verification, credit check, and asset documentation to determine your loan eligibility and maximum loan amount.
Do you offer low down payment options?
Yes, we provide FHA loans with 3.5% down, VA loans with zero down, and conventional loans with 3% down through our lender partnerships.
What credit score is needed for mortgage approval?
Minimum credit scores range from 580 for FHA loans to 620 for conventional financing, with better rates available for scores above 740.
How long does the mortgage process take?
Average closing time is 30-45 days from application, with expedited options available for qualified borrowers needing faster closings.
Can self-employed individuals qualify for loans?
Yes, we offer bank statement loans and alternative documentation options specifically designed for self-employed borrowers.
