Mortgage lender in Guilford County, NC

Buying in Guilford County

Guilford County, with its county seat in Greensboro, also takes in High Point, Jamestown, Summerfield, Oak Ridge and Gibsonville. Guilford 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. Guilford 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.

Guilford County: Greensboro and High Point

Greensboro and High Point have moderate prices for a metropolitan area, and FHA loans and North Carolina’s first-time buyer programs are common fits. Older neighborhoods near the two downtowns are where an FHA or VA appraisal is more likely to raise condition items, so we talk about condition before the offer.

Summerfield, Oak Ridge and Stokesdale, in the northwest, have larger lots and higher prices, often with wells and septic systems. Several universities are in the county; near a campus, tell us whether a home is for you or will be rented to students, because occupancy changes the loan. A due diligence fee is customary at contract, and closings are handled by an attorney.

Guilford County by the numbers

Median home value

$259,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.84% of home value a year: median tax bill $2,174 on a median value of $259,900 (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

Greensboro, High Point, Summerfield, Oak Ridge (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $259,900. 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 Guilford 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 Guilford County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.