Mortgage lender in Cumberland County, NC

Buying in Cumberland County

Cumberland County, with its county seat in Fayetteville, also takes in Hope Mills, Spring Lake and Stedman. Cumberland County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in North Carolina, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

closing attorney

State housing agency

North Carolina Housing Finance Agency (NCHFA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Cumberland County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Cumberland County: Fayetteville and Fort Bragg

Fort Bragg, one of the largest Army installations in the country, sits on the county’s northwestern edge, and VA loans are the most common way to buy here. Many buyers are on orders with a fixed report date, so we request the Certificate of Eligibility at once and start the appraisal early.

Prices are moderate, and service members who bought here before sometimes keep the home as a rental when they move; whether your VA entitlement is still tied to an earlier home affects the next purchase, so tell us what you own. Hope Mills and the western side of Fayetteville have most of the newer subdivisions. Outside the city, wells and septic systems are common.

Cumberland County by the numbers

Median home value

$199,200 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.93% of home value a year: median tax bill $1,850 on a median value of $199,200 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Excise tax of $1 per $500 of the price, paid by the seller (N.C.G.S. § 105-228.30)

Largest communities

Fayetteville, Hope Mills, Spring Lake, Eastover (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $199,200. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in North Carolina

Closings in North Carolina are typically handled by a closing attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the North Carolina page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Cumberland County buyers ask

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

Limits shown are the 2026 FHFA and HUD figures for Cumberland County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.