Mortgage pre-approval in North Carolina.

Closing commonly handled by

closing attorney

State housing agency

North Carolina Housing Finance Agency (NCHFA)

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 in every county

2026 FHA limit

$541,287 to $805,000, by county

Our license

Mortgage Lender License

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we offer in North Carolina

Purchase and refinance loans for primary residences, second homes and investment properties. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in North Carolina

North Carolina closings are commonly handled by a closing attorney. Buyers here usually pay the seller a due diligence fee when the contract is signed, in addition to earnest money, so tell us about both and we will count them toward your funds.

Transfer and recording taxes. North Carolina charges an excise tax of $1 for each $500 of the price when a deed is recorded, and the statute requires the seller to pay it. Source: N.C.G.S. § 105-228.30. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in North Carolina

For 2026 the conforming loan limit for a one-unit home is $832,750 in every county. Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in North Carolina

The North Carolina Housing Finance Agency (NCHFA) runs North Carolina’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: North Carolina Housing Finance Agency (NCHFA). See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions North Carolina buyers ask

North Carolina notice. Stellar Mortgage Corporation, NMLS #2190975. Verify at NMLS Consumer Access.

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.