FHA Loans in Greensboro, Winston-Salem & the Triad

FHA loans are mortgage options insured by the Federal Housing Administration. They are often used by first-time and repeat buyers who want a lower down-payment path and more flexible credit guidelines than some conventional products — subject to current FHA rules and lender overlays.

Jill Burgess, NMLS #100425, helps buyers in Greensboro, Winston-Salem, High Point, and nearby communities understand whether an FHA loan fits alongside city, county or NC Home Advantage down payment assistance when stacking is allowed.

High-level points:

• Down payments can be as low as about 3.5% for eligible borrowers under current FHA guidelines (credit and other rules apply).

• Mortgage insurance (UFMIP / annual MIP) applies; ask Jill how that affects monthly payment.

• Property must meet FHA standards; appraisals and repairs can matter.

• FHA can sometimes pair with state/city assistance when program rules allow.

FHA loans in Winston-Salem

Looking for an FHA loan lender in Winston-Salem, NC? Jill Burgess, NMLS #100425, is an Ameris Bank loan officer based at 3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103. She helps Winston-Salem and Forsyth County buyers with FHA purchase loans and FHA Streamline refinances. She has originated mortgages since 1990 and is rated 4.94 out of 5 from 194 reviews on Experience.com. In 2025, she was recognized as one of the top originators for the North Carolina Housing Finance Agency. Call (336) 740-9068 to meet by appointment at the Vest Mill Road office.

• Forsyth County help: the live county down payment paths are AHOP and CPLP. The City of Winston-Salem's CHAP program is inactive, and AHOP usually excludes homes inside Winston-Salem city limits. Whether a program allows an FHA first mortgage is confirmed on your file. See Winston-Salem homebuyer assistance.

• NC Home Advantage: the NC Home Advantage Mortgage can be an FHA loan. Its down payment assistance is a deferred second-mortgage loan, not a grant, and is available only when you qualify.

• Loan limits: FHA loan limits are set by county. Ask Jill for the current Forsyth County limit for your property.

• Spanish-language support: Katherine Collins, NMLS #1674089, on Jill's Ameris Bank team.

• Local lender page: Winston-Salem mortgage lender.

How Jill helps:

1. Compare FHA vs conventional / VA / USDA for your file

2. Check whether Housing Connect, High Point, Forsyth County or NC Home Advantage assistance may stack

3. Pre-approval and clear next steps to offer

FAQ

Is FHA only for first-time buyers? No — many repeat buyers use FHA when it fits.

What credit score do I need? FHA publishes baseline guidance; lender overlays may be higher. Confirm with Jill.

Can I use DPA with FHA? Often yes when the assistance program allows government first mortgages — confirm stacking rules.

Who is an FHA loan lender in Winston-Salem, NC? Jill Burgess, NMLS #100425, is an Ameris Bank loan officer at 3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103. She helps Winston-Salem buyers with FHA purchase loans and FHA Streamline refinances. Call (336) 740-9068. All loans subject to credit approval.

Can I use Forsyth County down payment assistance with an FHA loan? Sometimes. AHOP and CPLP are the live Forsyth County paths, and each program sets its own rules for the first mortgage, income and property location. AHOP usually excludes homes inside Winston-Salem city limits. Jill confirms which program fits your file.

Do I have to be a first-time buyer to get an FHA loan in Winston-Salem? No. FHA is not limited to first-time buyers. The home must be your primary residence, and some down payment assistance programs have their own first-time buyer rules.

Call (336) 740-9068 · https://www.mortgagesbyjill.com/contact

Ameris: https://bankers.amerisbank.com/nc/winston-salem/jill-burgess-100425

Related: Winston-Salem mortgage lender · Winston-Salem homebuyer assistance · High Point mortgage lender · Housing Connect Greensboro · NC Home Advantage Mortgage · Jumbo loans in North Carolina

Offices:

3500 Vest Mill Road, Suite 1, Winston-Salem, NC 27103

2711 Pinedale Rd, Suite A, Greensboro, NC 27408 (by appointment)

jill.burgess@amerisbank.com

Hours (WS): Monday–Saturday 9:00 AM–7:00 PM · Sunday Closed · By appointment only

Disclaimer: All loans subject to credit approval. Programs, terms, and availability change. Educational only — not a commitment to lend.