How much house can you afford in Fayetteville? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Veterans United Home Loans Fayetteville
4.8 · 319 reviews · Free pre-approval
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Union Home Mortgage
4.8 · 124 reviews · Free pre-approval
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Carolina Home Mortgage NMLS 45212
4.8 · 117 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Specializing exclusively in VA home loans, Veterans United Home Loans Fayetteville helps military members and their families navigate VA purchase and refinance options with competitive rates and no down payment requirements. The team is praised for clear communication and a straightforward online process, though some clients note the detailed documentation needed.
Union Home Mortgage offers a straightforward mortgage process with clear communication throughout. The team assists with various home loan options and is appreciated for making the experience smooth and direct. Some customers note the process can take time, but overall the service is friendly and helpful.
Carolina Home Mortgage, licensed under NMLS 45212, has been connecting borrowers with multiple lenders since 2000, offering a variety of loan options including FHA, VA, USDA, and conventional mortgages. Clients appreciate the team’s clear communication and responsiveness, though the broker model means they do not lend directly but help find competitive mortgage solutions.
Element Home Loans specializes in guiding borrowers through purchasing and refinancing with a streamlined online application linked to established mortgage programs. The team is known for clear communication and support throughout the loan process, helping to reduce stress for first-time and experienced buyers alike. Some program details may vary, so applicants are encouraged to check eligibility… more...
Element Home Loans specializes in guiding borrowers through purchasing and refinancing with a streamlined online application linked to established mortgage programs. The team is known for clear communication and support throughout the loan process, helping to reduce stress for first-time and experienced buyers alike. Some program details may vary, so applicants are encouraged to check eligibility directly.
Known for its award-winning service and clear communication, Southern Trust Mortgage offers a variety of loan options including USDA, FHA, VA, and conventional mortgages. The team works closely with clients to simplify the homebuying process, providing steady updates and patient guidance from application through closing.
Guild Mortgage - JR Williams is known for providing fast, clear mortgage financing, especially helpful for clients working on tight timelines. The team handles all the background details smoothly and communicates clearly throughout the process. Customers appreciate their professionalism and the ease they bring to home financing.
ALCOVA Mortgage holds an A+ rating from the Better Business Bureau, reflecting its focus on trustworthy and ethical lending. The team assists with home purchases, refinancing, and offers online tools to simplify the mortgage process. Clients appreciate the clear communication and responsiveness throughout their experience.
Known for its quick and responsive service, PrimeLending offers a variety of mortgage options including home purchases, refinancing, and renovation loans. The team provides personalized support throughout the process, helping clients navigate unique situations with local market knowledge. Customers appreciate their clear communication and efficient closings.
Founded by a military veteran, Premier Capital Mortgage offers a range of loan options including Conventional, VA, FHA, and USDA programs. Their multilingual team guides clients through a clear, patient mortgage process, often noted for professionalism and strong communication. Some clients mention the process can feel detailed but appreciate the thorough support.
Guild Mortgage - Melissa Mckinney focuses on helping clients secure home loans with clear communication and patient guidance. The team assists with various mortgage needs, providing detailed answers and support throughout the process. Customers appreciate their kindness and responsiveness, making the experience smoother for first-time and returning buyers alike.
Lenders made 4,299 home-purchase loans in Cumberland County in 2025 (average about $285,000) and denied 740 — 15% of decided applications, compared with 14% across North Carolina, according to federal mortgage data (HMDA, CFPB). In Fayetteville, the median home is worth $188,000 and 64% of owners have a mortgage, paying a median $1,462 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Cumberland County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Veterans United Home Loans Fayetteville | 4.8 | 319 | $200 | (910) 867-8003 | Visit |
| 2 | Union Home Mortgage | 4.8 | 124 | — | (910) 920-9499 | Visit |
| 3 | Carolina Home Mortgage NMLS 45212 | 4.8 | 117 | Quoted per loan | (910) 658-5189 | Visit |
| 4 | Janiece R Brewer | Element Home Loans Branch Manager/Sr Loan Officer | 5.0 | 76 | — | (910) 489-3342 | Visit |
| 5 | Southern Trust Mortgage - Fayetteville, NC | 5.0 | 59 | — | (910) 429-0181 | Visit |
| 6 | Guild Mortgage - JR Williams | 5.0 | 49 | — | (910) 557-9661 | Visit |
| 7 | ALCOVA Mortgage | Fayetteville, NC | 5.0 | 48 | — | (910) 973-0713 | Visit |
| 8 | PrimeLending, A PlainsCapital Company - Fayetteville | 5.0 | 46 | Quoted per loan | (910) 758-7367 | Visit |
| 9 | Premier Capital Mortgage LLC | 5.0 | 44 | Quoted per loan | (910) 603-4269 | Visit |
| 10 | Guild Mortgage - Melissa Mckinney | 5.0 | 14 | — | (910) 987-0567 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.