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Now Lending in Raleigh

Raleigh home loans —
the heart of the Triangle.

Smart Mortgage Solutions serves homebuyers, homeowners, real estate agents, and investors in Raleigh and the Triangle. Whether you're considering a downtown condo, a home near Five Points, or a property in North Raleigh, we help you compare financing options for the home you have in mind — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.

Get Pre-Approved Call (561) 299-5825
The Triangle
Raleigh Area
14 days*
Close In As Little As
$832,750
2026 Wake County Conforming Limit
5.0 ★
Google Review Rating
Raleigh Markets

Local lending across
every Raleigh neighborhood.

Raleigh Neighborhoods

From historic streets near downtown to established and growing areas north and west.

  • Downtown & Warehouse District
  • Five Points & Oakwood
  • North Hills & Midtown
  • West Raleigh & NC State area
Life Around Raleigh

Consider homes near local parks, universities, and the city's central districts.

  • Homes near Pullen Park
  • Properties near NC State University
  • Wake County property financing
  • Purchase & refinance options
Financing for Raleigh Buyers

Explore options for a range of home types and purchase goals.

  • First-time & repeat buyers
  • Move-up purchases
  • Condos, townhomes & new construction
  • Investment property financing
DowntownWarehouse DistrictFive PointsOakwoodNorth HillsMidtownWest RaleighBrier CreekCameron Village
Loan Programs in Raleigh

Financing for every
kind of Raleigh buyer.

FHA Loans

3.5% down with flexible credit — the most popular path for first-time Raleigh homebuyers.

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VA Loans

0% down for Raleigh's veterans and active-duty service members. No monthly mortgage insurance.

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Conventional Loans

Fixed and ARM options within the local $832,750 conforming limit for strong-credit borrowers.

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Jumbo Loans

High-balance financing for Raleigh's luxury and higher-priced markets above conforming limits.

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DSCR Loans

Qualify on rental income to scale your Raleigh investment-property portfolio.

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Non-QM Loans

Bank statement and alternative-doc programs for Raleigh's self-employed borrowers.

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FAQ

Raleigh mortgage
questions answered.

We serve homebuyers and homeowners in Raleigh and the Triangle, including Downtown, Five Points, Oakwood, North Hills, Midtown, and West Raleigh, as well as nearby communities.
For a one-unit property in Wake County, the 2026 conforming loan limit is $832,750. The applicable limit depends on the property's county and unit count. Raleigh's municipal area extends into Durham County, so a Raleigh city or mailing address does not establish that every property is in Wake County; verify the property's county.
Raleigh borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.

Ready to start your Raleigh home journey?

Get pre-approved today — no cost, no obligation. Raleigh borrowers, let's get you to the closing table.

Start My Application Call (561) 299-5825