Raleigh, NC
The straight path to a Raleigh mortgage.
We fit the loan to your Raleigh plans — first-time-buyer, conventional, FHA and more — walking Raleigh buyers through it, Five Points to closing day.
Who can help me get a mortgage in Raleigh, NC?
Choice Home Mortgage can. We arrange Raleigh home loans through licensed partner brokers in North Carolina and coordinate each Raleigh file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For 2026, a one-unit Raleigh home can carry a conforming loan of up to $832,750, the Wake County limit FHFA sets, and we check where your Raleigh price falls before you write an offer. The whole process runs by phone and online.
Raleigh home loans, the honest version.
Raleigh anchors the Research Triangle and has grown from a mid-size capital into one of the Southeast’s most dynamic metros on tech, biotech, and healthcare. Rising inventory has shifted it toward balance, giving buyers more selection.
Every Raleigh loan starts from that reality. Raleigh’s 2026 conforming ceiling is $832,750, the baseline figure Wake County shares with most of the country. For the typical Raleigh purchase, $832,750 is headroom, not a hurdle — Raleigh files keep conventional, FHA, and down-payment-assistance open. Raleigh’s price tier is solidly middle-of-market. FHFA resets these limits each year; we verify before we quote.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
431,000-plus residents make Raleigh home — across Five Points, Mordecai, and between — with Cary and Apex nearby. Ask us about Raleigh blocks near the North Carolina State Capitol and Fayetteville Street — that’s the level we work at. Name the Raleigh neighborhood — Five Points, Oakwood, Boylan Heights, and Mordecai or beyond — and we finance there. Searching “mortgage broker near me” from Raleigh? We cover Raleigh by phone and online — Raleigh-level market help, no office visit. North Carolina coverage here spans 22 cities, Raleigh among them — each on its own county limits, each shopped the same way.
The broker difference, Raleigh edition.
Raleigh market knowledge
From Five Points, Oakwood, Boylan Heights to the North Carolina State Capitol and Fayetteville Street, we track what Raleigh homes really cost and which loans carry them.
First Raleigh home help
We open most Raleigh files with first-time-buyer, conventional, FHA, then layer in whatever down-payment help your Raleigh numbers qualify for.
Lenders shopped for you
Instead of one bank's rates, your Raleigh application sees many lenders competing — that's the whole point of working with us.
Owner-coordinated
Esther Buede, the owner, coordinates your Raleigh loan start to finish; our Google reviews show Raleigh buyers why that matters.
Your loan, one named coordinator.
Your Raleigh loan gets the owner as its coordinator: Esther Buede (individual NMLS #2003644), working with licensed partner brokers from Oakwood across the Raleigh map. Meet the family behind CHM →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
Programs shaped to Raleigh price tags.
Raleigh keeps us busy with first-time-buyer files — the draw of the North Carolina State Capitol and Fayetteville Street doesn’t hurt. First-time-buyer, conventional, FHA carry most of our Raleigh work (via our licensed partner-broker network) — and beyond those, Raleigh buyers get the full menu: non-QM, VA, conventional, and an FHA loan. Jump in at any stage: buying, exploring a refinance, or just running numbers — get started here or call (949) 522-7310.
For Raleigh, that usually means FHA, first-time-buyer, conventional, down-payment-assistance.
Self-employed in Raleigh? We also work with borrowers who work for themselves — bank-statement income included, plus DSCR investor loans for Raleigh investors. Wake County’s 2026 conforming and FHA limits, by unit count are laid out in full if you’re comparing property types.
And around Raleigh: Cary, Apex, Durham are all in reach. See all North Carolina cities we serve →
Raleigh, NC buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. Raleigh is served remotely — we keep no office there.
Before you buy in Raleigh: the FAQs.
What's the 2026 conforming loan limit in Raleigh?
$832,750 is the 2026 conforming limit for a single-family home in Raleigh, based on FHFA's figure for Wake County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Wake County have a $1,066,250 conforming limit for 2026.
What's the usual first mortgage for a Raleigh buyer?
For a first home in Raleigh, the usual choices are FHA and conventional loans. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules. An FHA loan on one unit in Wake County can go to $541,287 in 2026 (HUD).
Does it matter where in Raleigh I'm buying?
No, not for the financing: we finance homes anywhere in Raleigh, including Five Points, Oakwood, Boylan Heights and Mordecai. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Five Points and Mordecai, and we coordinate them by phone and online.
Do you work with Raleigh, NC buyers?
Yes. We work with Raleigh buyers through licensed partner brokers who hold the North Carolina license, and we coordinate each file. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Raleigh office, so the application, documents and updates run by phone and online.
I'm shopping Raleigh and the next town over: is that covered?
Yes. You can compare homes in Raleigh with Cary, Apex and Durham on one file. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Raleigh file.
How does the process run for a Raleigh buyer working with you?
A Raleigh buyer starts with one call to set the plan, then applies online, uploads documents and gets updates as the file moves. Licensed partner brokers cover the North Carolina licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Other North Carolina cities we serve
Next stop: your Raleigh address.
One call with the owner — local, honest, no pressure. We'll match the program to your Raleigh purchase and shop lenders for your Raleigh file.