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Now Lending in Winston-Salem

Winston-Salem home loans —
the Twin City.

Smart Mortgage Solutions serves homebuyers, homeowners, real estate agents, and investors in Winston-Salem and Forsyth County. From historic West End streets and homes in Ardmore to properties near Reynolda, we help you explore home financing with local context — 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
Twin City
Forsyth County Area
14 days*
Close In As Little As
$832,750
2026 Forsyth County Conforming Limit
5.0 ★
Google Review Rating
Winston-Salem Markets

Local lending across
every Winston-Salem neighborhood.

Winston-Salem Neighborhoods

From historic residential districts to established areas across the city.

  • Downtown & the Arts District
  • West End & Ardmore
  • Reynolda & Buena Vista
  • Washington Park & Old Salem area
Around Winston-Salem

Explore homes near local institutions, parks, and the city's historic core.

  • Properties near Old Salem Museums & Gardens
  • Homes near Reynolda House
  • Forsyth County property financing
  • Purchase & refinance options
Financing for Winston-Salem Buyers

Consider loan options for different homes and stages of ownership.

  • First-time & repeat buyers
  • Move-up purchases
  • Condos, townhomes & new construction
  • Investment property financing
DowntownArts DistrictWest EndArdmoreReynoldaBuena VistaWashington ParkOld SalemSherwood Forest
Loan Programs in Winston-Salem

Financing for every
kind of Winston-Salem buyer.

FHA Loans

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

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VA Loans

0% down for Winston-Salem'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 Winston-Salem's luxury and higher-priced markets above conforming limits.

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DSCR Loans

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

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Non-QM Loans

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

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FAQ

Winston-Salem mortgage
questions answered.

We work with homebuyers and homeowners in Winston-Salem and Forsyth County, including Downtown, West End, Ardmore, Reynolda, Buena Vista, and Washington Park.
For a one-unit property in Forsyth County, the 2026 conforming loan limit is $832,750. The applicable limit depends on the property's county and unit count; confirm the property's county rather than relying only on its city or mailing address.
Winston-Salem 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 Winston-Salem home journey?

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

Start My Application Call (561) 299-5825