Mortgage lender in Wake County, NC

Buying in Wake County

Wake County, with its county seat in Raleigh, also takes in Cary, Apex, Wake Forest, Holly Springs, Fuquay-Varina, Garner and Morrisville. Wake 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. Wake 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.

Wake County: Raleigh and the fastest-growing towns in the state

Much of what sells in Apex, Holly Springs, Fuquay-Varina, Wake Forest and Rolesville is new construction. A builder purchase means reading the contract, tracking the deposit and matching the rate lock to the completion date. Most neighborhoods have a homeowners association, and the dues count in the payment.

North Carolina buyers usually pay a due diligence fee to the seller at contract, in addition to earnest money; tell us about both so they are counted in your funds. Many buyers are relocating for technology and research jobs, often with an offer letter and a start date, which can be used to qualify under the right conditions. Closings are handled by an attorney.

Wake County by the numbers

Median home value

$461,300 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.71% of home value a year: median tax bill $3,260 on a median value of $461,300 (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

Raleigh, Cary, Apex, Wake Forest (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $461,300. 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 Wake 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 Wake County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.