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Serving Greensboro

Mortgage Broker in Greensboro, NC

Greensboro is one of the Triad's more attainable metros, drawing first-time buyers, relocators, and households who want central North Carolina access without Triangle pricing. Downtown, Fisher Park, Lindley Park, and west-side suburbs each tell a different story on price and housing type. The process still comes down to what you can comfortably afford, which loan fits your file, and how ready you are when the right home shows up. That is what we sort out before you tour.

What this means for buyers here: at a ~$285,000 median, FHA, conventional 3% down, and VA $0 down are especially practical. A clear cash plan keeps offers grounded across neighborhoods with very different vibes.

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Rather talk now? Call (480) 636-6573 or text Keith. Reviewed by Keith Lopez, NMLS #2814077 · Updated August 2026

Quick answer

Who can help me get a mortgage in Greensboro, NC?

Keith Lopez (NMLS #2814077) is a mortgage broker serving Greensboro buyers through NEXA Mortgage, with access to 300+ lenders. In Guilford County, the 2026 conforming loan limit is $832,750 and the FHA limit is $541,287. Many buyers can put as little as 3% down on a conventional loan, 3.5% on FHA, or 0% with VA or USDA where eligible.

Market Snapshot

Greensboro housing market, at a glance.

Last updated: August 2026

Median Sale Price
$285,000
Median Days on Market
41

Typical range: east-side and older stock on the more attainable end, Irving Park and west Greensboro on the higher end.

Source: Redfin

Market figures are estimates from public data as of the date shown and change over time.

Loan programs

Loan Programs That Work in Greensboro

Here is how the main programs look against local prices, then we match the right one to your file on a Mortgage Strategy Session.

Program eligibility, guidelines, and pricing are set by the applicable investor, agency, or program and are subject to change without notice. Not all applicants will qualify. This information is for educational purposes only and is not a commitment to lend.

2026 Loan Limits

Guilford County

Limit type Single-family
Conforming limit $832,750
FHA limit $541,287
Cash to close

Lowering your cash to close

On a ~$285,000 purchase, FHA 3.5% is about $9,975, conventional 3% is about $8,550, and VA can be $0 down for eligible buyers. Gift funds and seller-paid closing costs can reduce what you bring to the table. Closing costs typically run 2 to 5% (about $5,700 to $14,250 on the median).

First-time & assistance

Local assistance paths buyers ask about in Greensboro

Programs change. On a Mortgage Strategy Session we check what may fit your income, purchase price, and county, without treating any program as a guarantee.

  • Chenoa Fund (FHA down payment assistance)

    The Chenoa Fund, from CBC Mortgage Agency, is the down payment assistance I can place. It pairs an FHA 30-year fixed first mortgage with a second mortgage for 3.5% or 5% of the sales price or appraised value, whichever is less. The forgivable option has 0% interest and no monthly payment and is forgiven after three years of on-time payments on the FHA loan. The repayable option is a 10-year second mortgage with a monthly payment. There are no income limits and no first-time buyer requirement, but the home must be your primary residence (1 to 2 units), and credit and underwriting requirements apply. Refinancing the FHA loan during the first three years can cancel the forgiveness, so it suits buyers who plan to keep the loan at least that long. For a Greensboro purchase, I compare it with a standard FHA loan and other low-down options. Program terms and availability change with market conditions, so I confirm current terms for your file before you count on it.

    Learn more →

  • NC Home Advantage Mortgage (NC Housing Finance Agency)

    The NC Housing Finance Agency's NC Home Advantage Mortgage pairs a fixed-rate first mortgage with down payment assistance of up to 3% of the loan amount, for both first-time and move-up buyers. The assistance is forgiven 20% per year in years 11 through 15 if you keep the home, and the agency also offers a $15,000 option (NC 1st Home Advantage Down Payment) for eligible first-time buyers and veterans. Income, credit score, and participating-lender rules apply. State housing agency programs like this are offered only through participating lenders. As a broker, I confirm whether one of my wholesale lenders participates before recommending it for your Greensboro purchase, so treat it as an option to ask about rather than a promise.

    Learn more →

  • Low-down loan programs

    FHA, conventional 3% down, and VA for eligible buyers can also reduce cash needed at closing. We compare program rules against your credit, income, and the property before you lock in a search budget.

    Learn more →
Neighborhoods

Greensboro neighborhoods, and how financing often fits

Mortgage lending is not one-size-fits-all across Greensboro. Price bands, condo rules, flood zones, and buyer profiles change by pocket. Use this as orientation, then we match a program to your file.

  • Downtown Greensboro

    Urban core with walkable evenings.

    Downtown mixes condos, lofts, and renovated stock near restaurants and venues. Financing often depends on condo project approval and HOA health as much as the unit price. First-time buyers should compare dues against a single-family payment elsewhere in the city. A clear file before weekend tours helps when multiple offers appear.

    Price band
    Condos often near or below the metro median; premium units trend higher.
    Loan fit (educational)
    Conventional and FHA when the building qualifies. Confirm project eligibility early.

    Watchouts: HOA reserves, litigation, and rental caps can affect condo loan options.

  • Fisher Park

    Historic, leafy, and neighborhood-scaled.

    Fisher Park is an established intown pocket with historic character, tree canopy, and proximity to downtown. Buyers who want charm should expect older building systems and careful inspection planning. Renovated homes can price above nearby unrenovated stock, which matters for appraisals. Financing follows standard primary-residence guidelines when occupancy is clear.

    Price band
    Often above more attainable east-side averages for renovated homes.
    Loan fit (educational)
    Conventional is typical. FHA when price and condition align.

    Watchouts: Older systems and repair scope can affect FHA or VA minimum property standards.

  • Lindley Park

    Intown, bungalow-oriented, and local-business adjacent.

    Lindley Park draws buyers who want bungalows, a local commercial strip, and a shorter drive downtown. Character and walkability are the draw. Pricing varies block by block after renovations. Inspection findings on roofs, plumbing, and electrical should be part of your cash plan.

    Price band
    Wide range around and modestly above the median for renovated homes.
    Loan fit (educational)
    FHA and conventional both appear often for primary residences.

  • Irving Park

    Established, quiet, and prestige-oriented.

    Irving Park is among Greensboro's more established residential names, with larger lots and long-standing demand. Move-up buyers often compare it with west Greensboro rather than with entry-level east-side options. Financing tends to follow conventional guidelines because of price point. Match payment comfort to the home, not the neighborhood label alone.

    Price band
    Often above the city median.
    Loan fit (educational)
    Conventional is typical. Low-down FHA is less common at higher Irving Park prices.

  • West Greensboro

    Suburban, family-oriented, and retail-accessible.

    West Greensboro offers a broad band of single-family homes and planned communities with more space than many intown options. Relocators and families often start here when schools and commute shape the search. Prices vary by subdivision age and amenities. Include any HOA dues in the monthly conversation.

    Price band
    Wide range around and above the metro median.
    Loan fit (educational)
    Conventional, FHA, and VA are all commonly discussed.

  • East side

    Practical, commute-diverse, and mixed housing types.

    East Greensboro still includes some of the metro's more attainable single-family and townhome options. First-time buyers often start here when they want a yard without a premium west-side price. Condition varies with age of housing stock. A realistic repair budget paired with the right loan program matters as much as list price.

    Price band
    Often at or below the metro median.
    Loan fit (educational)
    FHA, conventional 3% down, and VA are frequently discussed for primary residences.

    Watchouts: Older homes may need work that affects FHA or VA appraisal standards.

  • Summerfield and adjacent

    Quieter suburban and small-town adjacent.

    Summerfield and nearby northern Guilford addresses attract buyers seeking more space and a smaller-town feel with Greensboro access. Cross-town comparisons only work when your loan approval and cash-to-close plan are already clear. Prices can run higher than some in-city pockets for similar square footage. Treat the search as one financing conversation.

    Price band
    Often above the Greensboro city median for newer or larger homes.
    Loan fit (educational)
    Conventional is common. FHA and VA still apply when price and eligibility line up. USDA may apply on some eligible addresses.

  • Airport corridor

    Employment-corridor suburban with mixed housing ages.

    Areas near PTI and the airport corridor tend to attract buyers who prioritize employment access and practical commuting. Housing stock mixes older single-family homes with newer subdivisions. Financing usually looks like a straightforward primary-residence purchase. Comparing total monthly cost across east, west, and airport-adjacent options keeps the search honest.

    Price band
    Often near the metro median.
    Loan fit (educational)
    FHA, conventional, and VA are commonly discussed.
Buying in NC

A quick note on closing in North Carolina.

In North Carolina, a licensed North Carolina attorney typically runs your closing, certifies the title, and records the deed and deed of trust. The state excise tax on the deed (often called revenue stamps) is $1 per $500 of the price, and state law puts it on the seller, so a $400,000 sale carries $800 in excise tax on the seller's side. Your side usually includes the attorney's fee, title insurance, recording, and prepaid items. I coordinate with your closing attorney so the numbers and timeline stay clean, and your attorney confirms exact fees.

See all North Carolina markets →

Local questions

Buying in Greensboro, answered straight.

  • How much do I need for a down payment in Greensboro?

    On the ~$285,000 median, about $9,975 with FHA (3.5%) or $8,550 with a 3%-down conventional loan. VA can be $0 down for eligible buyers.

  • What is the 2026 FHA loan limit in Guilford County?

    $541,287 for a single-family home, per HUD, so Greensboro homes at typical price points sit well under the FHA cap.

  • Is Greensboro a good market for first-time buyers?

    Often yes. With a median around $285,000, Greensboro's entry prices sit well below the Triangle's, and low-down programs (FHA, conventional 3%, and VA when eligible) make the math more realistic.

  • Can I buy a home near UNCG or NC A&T for my college student?

    Yes. If you buy and your student lives there, it is usually financed as an investment property with a larger down payment. Your student can also buy as the occupant with you as a non-occupant co-borrower, which FHA and conventional loans allow for family members.

  • Does it matter if the home is in Greensboro or High Point?

    Yes. Both are in Guilford County, but each city has its own tax rate, towns like Summerfield and Jamestown set their own, and unincorporated addresses pay county taxes only. The FHA limit is the same $541,287 countywide.

  • Could I use a USDA loan near Greensboro?

    Possibly, on the rural edges of Guilford County and in neighboring counties. Most of Greensboro itself is not eligible. Send me an address and I will check the USDA map.

  • How often does Guilford County revalue property?

    North Carolina requires every county to reappraise at least once every eight years, and counties can choose to do it sooner. A revaluation can change your tax bill even if the rate does not change. Check the Guilford County tax department's schedule and confirm estimates with that office.

  • Who pays the excise tax on a Greensboro home sale?

    The seller, under North Carolina law. The excise tax is $1 per $500 of the price, so a $285,000 sale carries $570 on the seller's side. Your closing attorney shows all figures on the settlement statement.

Service area

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Ready to talk through your Greensboro options?

One free, no-pressure Mortgage Strategy Session. Your options, your numbers, your next step, talked through clearly for buying in Greensboro, NC.

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Call (480) 636-6573 · Text Keith

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Let's talk through your Greensboro options.

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Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity

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