FHA VS Conventional loan programs in Raeford, Hoke County, North Carolina

In 2026, the conventional loan threshold in Raeford, within Hoke county, NC, is $726,200. For a single-family home, the FHA limit is set at $472,030.

Lendersa® offers a Conventional loan calculator for comparing top rates today among Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you compare Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide the best program in NC to suit your financial needs.

Examine loan offers from more than 100 lenders

2026 Loan Limits and Down Payment Requirements in Raeford, Hoke, NC

Loan Type Maximum Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table is pertinent to zip codes: 28376

Available Conventional and FHA Loan Options in Raeford, NC

The goal at Lendersa® is to facilitate access to the best possible Conventional, USDA, or FHA loans quickly and effortlessly. Start from one of three curated pathways leading to matched lenders and suitable loan programs.

Results from Lendersa's USDA loan requests


Raeford Lenders

  • Fort Bragg Federal Credit Union
  • 4172 Hefner Drive, Fort Bragg, NC, 28310
  • Lends in North Carolina
  • Fort Bragg Federal Credit Union is a not-for-profit financial cooperative owned exclusively by its members & regulated by the National Credit Union Administration. Chartered on April 18, 1960, we exist primarily to promote thrift amongst our members.

    Fort Bragg Federal Credit Union is a local credit union that has served the greater Fort Bragg

  • Bragg Mutual Federal Credit Union
  • 2917 Village Drive, Fayetteville, NC, 28304
  • Lends in North Carolina
  • We opened in 1952 as Bragg Civilian Federal Credit Union. Over the years we changed to Bragg Mutual Federal Credit Union. We are a Credit Union Service Center open to other Service Center members as well.

    A full service credit union open to all who live, work, or worship in Cumberland County, NC.

  • Advantage Loans Inc
  • 937 S McPherson Church Rd, Fayetteville, NC, 28303
  • Lends in North Carolina
  • Planbloan is not an offer or solicitation to lend. We do not make any loan or credit decisions and are not representatives, brokers or agents of any lender. Participating lenders offer loans from $200 up to $5, 000. Not all lenders can offer you amounts up to $5, 000. Our service is not available in all states.

  • Sweetwater Capital
  • 1019 Hay Street, Fayetteville, NC, 28305
  • Lends in North Carolina
  • Sweetwater Capital’s core focus is to achieve lifelong relationships by delivering the finest brokerage experience.
    Established in 2007, Sweetwater Capital began as a boutique commercial mortgage brokerage firm, specializing in permanent debt solutions. In 2019, we expanded our services to include our investment sales platform.

  • AAFMAA Mortgage Services LLC
  • 639 Executive Place, Suite 203, Fayetteville, NC, 28305
  • Lends in North Carolina
  • AAFMAA (American Armed Forces Mutual Aid Association) is a not-for-profit, member-owned financial services association that provides life insurance, military benefits counseling, Survivor Assistance Services, residential mortgages, financial planning, investment management and trust services to the American Armed Forces Community.

  • Lumbee Guaranty Bank
  • 403 E 3RD St, Pembroke, NC, 28372
  • Lends in North Carolina
  • Established in 1971, Lumbee Guaranty Bank proudly opened its doors as the first Native American owned bank in the United States. Today, we’ve grown to manage 14 locations throughout Robeson, Hoke, and Cumberland counties in beautiful North Carolina. We serve thousands of customers every year and hold assets of more than $400 million

  • First Federal Bank NC
  • 200 East Divine St, Dunn, NC, 28334
  • Lends in North Carolina
  • First Federal Bank headquartered in Dunn, North Carolina is a community bank with 6 locations in eastern North Carolina. First Federal provides corporations, businesses and consumers with a full range of innovative banking and financial solutions.
    Our services and products include commercial.

  • Fidelity Bank NC
  • 1304 North Main Street, Fuquay Varina, NC, 27526
  • Lends in North Carolina
  • Fidelity Bank is a full-service financial institution with assets of approximately $3.4 billion headquartered in Fuquay-Varina, North Carolina. The Bank owns and operates 58 branches throughout North Carolina, Virginia, and South Carolina.

    For over 100 years, Fidelity Bank's vision has remained the same; to be the independent, sound.

  • Blue Sky Mortgage Services of Nc
  • 330 Raleigh Street, Unit 2, Holly Springs, NC, 27540
  • Lends in North Carolina
  • Blue Sky Mortgage Services of N.C, Inc. is a purposely small mortgage broker company dedicated to providing personalized service for each and every one of our clients.

    Our company is a full service broker providing a wide variety of loan products from a large base of wholesale lenders.