Mortgage lender in Mecklenburg County, NC

Buying in Mecklenburg County

Mecklenburg County, with its county seat in Charlotte, also takes in Huntersville, Matthews, Mint Hill, Cornelius, Davidson and Pineville. Mecklenburg 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. Mecklenburg 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.

Mecklenburg County: Charlotte from Uptown to Lake Norman

Charlotte has a large supply of townhomes and condominiums, especially in Uptown, South End and along the light rail line. A condominium means the association’s budget and insurance are reviewed along with the buyer. Myers Park, Dilworth and south Charlotte are higher-priced, where some purchases are jumbo loans.

Huntersville, Cornelius and Davidson, to the north, border Lake Norman, where lake homes raise the question of primary residence or second home. Matthews and Mint Hill are single-family suburbs. Many buyers relocate here for banking and finance jobs, often paid partly in bonus, which lenders average over time. A due diligence fee is customary at contract.

Mecklenburg County by the numbers

Median home value

$406,800 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.71% of home value a year: median tax bill $2,890 on a median value of $406,800 (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

Charlotte, Huntersville, Cornelius, Matthews (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $406,800. 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 Mecklenburg 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 Mecklenburg County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.