How much house can you afford in Winston Salem? 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.
Car loans, credit cards, lines of credit, student loans. Not rent.
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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Fairway Independent Mortgage Corporation
4.9 · 419 reviews · Free pre-approval
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Highlands Residential Mortgage
5.0 · 259 reviews · Free pre-approval
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Jill Burgess - Ameris Bank Mortgage
4.9 · 162 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 →
Fairway Independent Mortgage Corporation specializes in a wide range of home financing options, including Conventional, FHA, VA, USDA, Jumbo, and First-Time Buyer programs. Their team guides clients through buying and refinancing with clear communication and a focus on client needs. Customers appreciate their professional, timely service and straightforward process.
Highlands Residential Mortgage offers personalized support through a user-friendly app that keeps clients informed at every step of their loan process. The team handles a range of mortgage needs, including home purchases and construction-to-permanent loans, though some customers have noted challenges with communication and unexpected costs during complex projects.
Specializing in mortgage lending with a focus on first-time homebuyers and down payment assistance, Ameris Bank Mortgage offers personalized guidance backed by extensive local expertise. The team provides clear communication and timely closings, helping clients navigate home financing with straightforward, supportive service. Some clients note the process can feel detailed but appreciate the… more...
Specializing in mortgage lending with a focus on first-time homebuyers and down payment assistance, Ameris Bank Mortgage offers personalized guidance backed by extensive local expertise. The team provides clear communication and timely closings, helping clients navigate home financing with straightforward, supportive service. Some clients note the process can feel detailed but appreciate the thoroughness.
The Sharpe Team specializes in home financing for families across the Southeast, guided by a senior loan officer consistently ranked among the top 1% nationally since 2005. They assist with home purchases, refinancing, and pre-approval, focusing on clear communication and a personalized, low-pressure process. Customers appreciate their professionalism and smooth guidance, though occasional… more...
The Sharpe Team specializes in home financing for families across the Southeast, guided by a senior loan officer consistently ranked among the top 1% nationally since 2005. They assist with home purchases, refinancing, and pre-approval, focusing on clear communication and a personalized, low-pressure process. Customers appreciate their professionalism and smooth guidance, though occasional third-party appraisals may vary.
With over 30 years of experience, Atlantic Bay Mortgage Group focuses on making the mortgage process clear and personal. They assist with home purchases and refinancing, providing helpful guides and steady communication. Customers appreciate their knowledgeable team and the genuine care shown throughout each step.
Known for clear communication and a seamless loan process, this team guides clients through every step of securing a mortgage. They offer personalized loan services and consistently provide support that helps borrowers feel confident and informed. Some clients note the process can be detailed, but the attentive approach is appreciated.
Fairway Independent Mortgage Corporation offers a wide range of loan options, including VA, FHA, and construction loans, with personalized guidance throughout the home buying or refinancing process. The team is known for being knowledgeable and responsive, helping clients navigate complex steps like VA one-time close financing with care and clarity.
Fairway Home Mortgage holds NMLS licenses #71230 and #102329, offering a broad range of loan options including USDA, Conventional, FHA, and VA loans. The team provides clear guidance throughout the mortgage process, with clients appreciating their communication and support, though some note that USDA loans can feel complex initially.
Certainty Home Lending (NMLS #83707) offers a personalized approach to mortgage lending, guiding clients through every step of the home buying process. The team provides clear explanations and ongoing support, helping borrowers feel confident and informed. Some clients note the process can take time, but appreciate the careful attention given to their needs.
Fairway Home Mortgage offers a broad range of loan options, including conventional, FHA, VA, and specialized mortgages, aimed at meeting diverse homeownership needs. The team guides clients through each step with clear communication and support, helping to ease the complexities of the mortgage process. Customers appreciate their responsiveness and the personalized attention they receive… more...
Fairway Home Mortgage offers a broad range of loan options, including conventional, FHA, VA, and specialized mortgages, aimed at meeting diverse homeownership needs. The team guides clients through each step with clear communication and support, helping to ease the complexities of the mortgage process. Customers appreciate their responsiveness and the personalized attention they receive throughout.
Lenders made 5,127 home-purchase loans in Forsyth County in 2025 (average about $290,000) and denied 657 — 11% of decided applications, compared with 14% across North Carolina, according to federal mortgage data (HMDA, CFPB). In Winston Salem, the median home is worth $233,800 and 63% of owners have a mortgage, paying a median $1,459 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Forsyth County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
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.