Hard Money
Land Loan in Raleigh, NC
With 481,031 residents, Raleigh, NC is a mid-sized city in Wake County, and Custom Mortgage arranges Land Loan loans there, including Downtown and North Hills. The median home in Raleigh is valued at $415,800, 10% less than the Wake County median of $461,300 (Census ACS 2020-2024 5-year). Wake County's 2026 conforming limit, $832,750, is 2.0 times that median, so loan size seldom binds.
The Raleigh median household income, $85,395, is 19% under the county's. Ownership is close to an even split, at 51% of occupied homes (64% countywide). The stock is relatively new: half the homes date from 1997 or later. Renters in Raleigh pay a median $1,572 a month in gross rent.
Land Loan Highlights
- CMRE funds Land Loan on an accelerated timeline.
- Asset-based underwriting — property value is primary qualification.
- LTV up to 80% as-is value or 90% ARV for fix-and-flip.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Wake County at a glance
- Raleigh median home value
- $415,800
- Source: Census ACS 5-year, Raleigh city, North Carolina, 2020-2024
- Raleigh median household income
- $85,395
- Source: Census ACS 5-year, Raleigh city, North Carolina, 2020-2024
- Raleigh owner-occupied homes
- 51%
- Source: Census ACS 5-year, Raleigh city, North Carolina, 2020-2024
- Raleigh median year built
- 1997
- Source: Census ACS 5-year, Raleigh city, North Carolina, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $461,300
- Source: Census ACS 5-year, 2024
- Median household income
- $105,768
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 64%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.4
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: WAKE
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Land Loan in Raleigh, NC
Raleigh mortgage lending for the Triangle. Research Triangle programs for tech workers.Custom Mortgage & Real Estate specializes in providing high-fidelity Land Loan solutions tailored to the unique economic landscape of Raleigh and the surrounding Wake County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireRaleigh metropolitan area.
Service Areas & Neighborhoods
Our Raleigh Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Land Loan in Raleigh
Yes, by $416,950: $415,800 median versus a $832,750 one-unit limit.
4.9 times the $85,395 median household income, steeper than the county's 4.4. Debt-to-income limits usually set the loan size.
See all Land Loan questions and program details
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
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