How much house can you afford in Raleigh? 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 |
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Martin Mortgage Group
5.0 · 415 reviews · Free pre-approval
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Raleigh Mortgage Group
5.0 · 405 reviews · Free pre-approval
Get pre-approved →
Martini Mortgage Group
5.0 · 219 reviews · Free pre-approval
Get pre-approved →
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 →
Known for proactive communication and a client-focused approach, Martin Mortgage Group helps buyers navigate mortgage options with clarity and confidence. They offer services for first-time buyers, investors, VA loans, refinancing, and more, with a strong emphasis on personalized strategies. Customers appreciate their responsiveness and thoroughness throughout the process.
Known for clear, upfront payment estimates and flexible loan options, Raleigh Mortgage Group guides clients through the mortgage process with patience and care. Their team supports first-time buyers and veterans alike, answering questions thoroughly and easing anxieties. Customers appreciate their friendly professionalism and willingness to help without pressure.
Martini Mortgage Group offers fiduciary-style, strategy-first mortgage guidance to help families make informed home financing decisions. Their team assists with a variety of loan options, including conventional, FHA, VA, and jumbo loans, focusing on clarity and long-term financial goals. Clients appreciate their responsiveness and thorough explanations throughout the process.
PrimeLending, A PlainsCapital Company, specializes in a streamlined, digital mortgage process with personalized guidance for homebuyers, refinancers, and those seeking renovation loans. Their team is known for clear communication and patience, helping clients navigate everything from pre-qualification to closing. Some clients note the process can feel detailed, but overall appreciate the… more...
PrimeLending, A PlainsCapital Company, specializes in a streamlined, digital mortgage process with personalized guidance for homebuyers, refinancers, and those seeking renovation loans. Their team is known for clear communication and patience, helping clients navigate everything from pre-qualification to closing. Some clients note the process can feel detailed, but overall appreciate the attentive support.
ALCOVA Mortgage holds an A+ rating with the Better Business Bureau, reflecting its focus on transparency and ethical service. The team offers a range of mortgage options—including conventional, FHA, VA, and USDA loans—guiding clients through each step with clear communication. Customers appreciate their responsiveness and patience, especially first-time homebuyers navigating the process.
With an A+ rating from the Better Business Bureau since 1997, Perennial Mortgage Group offers personalized mortgage solutions including FHA, VA, jumbo, and refinance loans. The experienced team guides clients through straightforward, informed decisions, and customers often note their clear communication and helpful support throughout the process.
Known for personalized service and fast, customized mortgage quotes, Ignite Mortgage Group offers a wide range of loan options including FHA, VA, USDA, jumbo loans, and specialized programs like 203K and down payment assistance. Clients appreciate the team’s clear communication and guidance throughout the homebuying process, helping ease what can be a stressful experience.
Known for its role as an Impact Lender, Movement Mortgage dedicates a significant portion of profits to community development. The team offers personalized mortgage guidance, including preapproval, refinancing, and online tools like affordability calculators. Customers appreciate clear communication and efficient support throughout the loan process, making home financing smoother.
Equity Resources, Inc. has been providing mortgage loans since 2002, focusing on clear communication and a personalized approach. Their team offers a range of home loan programs, including Conventional, FHA, USDA, and VA loans, guiding clients smoothly through the process. Customers appreciate their responsiveness and the way they simplify what can be a complex experience.
MortgageMecca, Inc. offers clear communication and professional mortgage brokerage services, helping clients navigate loan options with confidence. The team provides thorough answers to questions and maintains an effective approach throughout the process. Some customers have felt their business was not always welcomed, but many appreciate the clarity and professionalism.
Lenders made 17,173 home-purchase loans in Wake County in 2025 (average about $454,000) and denied 1,630 — 9% of decided applications, compared with 14% across North Carolina, according to federal mortgage data (HMDA, CFPB). In Raleigh, the median home is worth $415,800 and 74% of owners have a mortgage, paying a median $1,910 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Wake 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 | Martin Mortgage Group | 5.0 | 415 | Quoted per loan | (919) 612-9978 | Visit |
| 2 | Raleigh Mortgage Group | 5.0 | 405 | Quoted per loan | (919) 866-0212 | Visit |
| 3 | Martini Mortgage Group | 5.0 | 219 | Quoted per loan | (919) 238-4934 | Visit |
| 4 | PrimeLending, A PlainsCapital Company - Raleigh | 4.9 | 203 | — | (919) 783-7890 | Visit |
| 5 | ALCOVA Mortgage | Raleigh, NC | 5.0 | 171 | — | (919) 846-5549 | Visit |
| 6 | Perennial Mortgage Group | 5.0 | 155 | — | (919) 848-4748 | Visit |
| 7 | Ignite Mortgage Group, LLC - Raleigh Mortgage Company | 5.0 | 86 | — | (919) 260-4295 | Visit |
| 8 | Tammi Rowe, Mortgage Lender, NMLS 117643 | 5.0 | 83 | — | (919) 624-5550 | Visit |
| 9 | Chris Long, Mortgage Specialist - NC Equity Resources, Inc. | 5.0 | 73 | Quoted per loan | (919) 662-6511 | Visit |
| 10 | MortgageMecca, Inc. | 4.9 | 72 | — | (919) 618-3716 | 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.