Mortgage lender in Forsyth County, NC

Buying in Forsyth County

Forsyth County, with its county seat in Winston-Salem, also takes in Kernersville, Clemmons, Lewisville and Rural Hall. Forsyth 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. Forsyth 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.

Forsyth County: Winston-Salem and its suburbs

Winston-Salem has some of the more moderate prices among North Carolina’s larger cities. Older neighborhoods such as Ardmore and West End have homes from the early twentieth century, where appraisal condition comes up. Health care and the universities employ many buyers, whose income usually documents cleanly.

Clemmons, Lewisville and Kernersville are the main suburbs, with newer subdivisions and homeowners associations. North of the city, toward Rural Hall and Tobaccoville, properties are more rural, with wells and septic systems, and some addresses fall inside the USDA eligibility map. A due diligence fee is customary at contract, and closings are handled by an attorney.

Forsyth County by the numbers

Median home value

$250,400 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.79% of home value a year: median tax bill $1,984 on a median value of $250,400 (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

Winston-Salem, Kernersville, Clemmons, Lewisville (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $250,400. 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 Forsyth 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 Forsyth County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.