Charlotte VA Loan Rates, Closing Costs & Stats

CHARLOTTE-CONCORD-GASTONIA, NC-SC

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Charlotte's 207 lenders originated 3,461 VA loans during 2023. The total origination value was $1,328,895,000, with an average VA loan value of $383,963.

Charlotte VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Charlotte averaged 6.62% for the week of 2024-05-10, compared to the national average (all VA variants) of 6.593% for the same period.

Charlotte's average VA mortgage closing costs are $6,360.

The average rate for the prior week (2024-05-03) was 6.55% and one month ago for the week of 2024-04-05, the average rate was 6.25%.

The average rate one year ago was 5.82%.

For refis of the same type during the week of 2024-05-10, the average rate was 6.95%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Charlotte VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Charlotte level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
Mortgage Research Center, LLC 394 6.71% $7,696
QUICKEN LOANS, LLC 241 6.05% $12,998
MOVEMENT MORTGAGE, LLC 227 6.40% $9,146
UNITED WHOLESALE MORTGAGE, LLC 209 6.20% $10,324
LOANDEPOT.COM, LLC 157 5.98% $11,555
NAVY FEDERAL CREDIT UNION 138 5.85% $6,195
FREEDOM MORTGAGE CORPORATION 91 6.41% $17,810
DHI MORTGAGE COMPANY, LTD. 86 5.54% $3,028
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 84 6.54% $8,515
PENNYMAC LOAN SERVICES, LLC 82 5.55% $9,186
American Security Mortgage Corp. 68 6.10% $9,731
USAA Federal Savings Bank 61 6.08% $9,801
NVR Mortgage Finance, Inc. 59 5.50% $7,186
The Federal Savings Bank 59 6.35% $20,822
NEW DAY FINANCIAL, LLC 56 7.38% $13,686
CROSSCOUNTRY MORTGAGE, LLC 56 6.52% $9,913
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 49 6.38% $10,319
EAGLE HOME MORTGAGE, LLC 49 5.95% $5,766
MATTAMY HOME FUNDING, LLC 41 5.68% $7,870
Mr. Cooper ( Nationstar Mortgage ) 40 6.01% $16,216
GUILD MORTGAGE COMPANY 29 6.50% $12,104
VILLAGE CAPITAL MORTGAGE 28 6.03% $11,574
GUARANTEED RATE AFFINITY, LLC 27 6.44% $6,076
CARDINAL FINANCIAL 26 6.55% $15,608
Wells Fargo Bank 25 6.00% $7,273
Towne Bank 24 6.12% $16,175
INSPIRE HOME LOANS INC. 23 5.76% $8,384
NEWREZ LLC 23 6.34% $12,564
NBKC BANK 20 5.97% $7,512
PENTAGON FEDERAL CREDIT UNION 20 5.66% $9,088
South Pacific Financial Corporation 20 5.93% $7,154
Truist 20 6.03% $5,799
CMG MORTGAGE, INC. 19 6.31% $8,204
Barrington Bank & Trust Company, N.A. 19 6.89% $11,396
First Federal Bank 18 6.10% $10,371
SeaTrust Mortgage Company 18 6.33% $11,146
MORTGAGE SOLUTIONS OF COLORADO, LLC 18 7.31% $9,360
PULTE MORTGAGE LLC 17 5.88% $7,683
Atlantic Coast Mortgage, LLC 17 6.25% $7,549
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 6.31% $7,741
GUARANTEED RATE, INC. 15 6.23% $5,604
Equity Prime Mortgage LLC 15 7.01% $10,919
AMERICAN PACIFIC MORTGAGE CORPORATION 15 6.25% $9,237
RELIANCE FIRST CAPITAL, LLC 15 6.28% $13,223
HOWARD HANNA FINANCIAL SERVICES, INC. 14 6.73% $8,057
First Heritage Mortgage, LLC 13 6.44% $13,887
Magnolia Bank 13 6.14% $18,571
VERITAS FUNDING, LLC 12 6.47% $18,769
CORNERSTONE HOME LENDING, INC. 12 6.12% $7,303
Mid-Continent Funding, Inc. 12 6.36% $12,730
BROKER SOLUTIONS, INC. 12 6.74% $11,357
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 12 6.23% $9,338
MUTUAL OF OMAHA MORTGAGE, INC. 11 6.20% $12,155
JET HOMELOANS, LLC 11 6.42% $9,195
AMERISAVE MORTGAGE CORPORATION 11 5.65% $15,948
M/I FINANCIAL, LLC 11 5.75% $17,432
ACADEMY MORTGAGE CORPORATION 10 6.83% $10,216
Northpointe Bank 10 6.55% $5,915
Flagstar Bank, FSB 10 6.36% $15,449
HOMESIDE FINANCIAL, LLC 9 6.53% $9,665
TJC Mortgage, Inc. 9 6.14% $11,577
INTERCOASTAL MORTGAGE COMPANY 8 6.38% $11,887
Paramount Residential Mortgage Group, Inc. 8 6.67% $7,519
Alcova Mortgage LLC 8 6.29% $8,095
HOMEBRIDGE FINANCIAL SERVICES, INC. 8 6.19% $3,328
FBC MORTGAGE, LLC 8 5.62% $6,484
RAPID MORTGAGE COMPANY 8 6.80% $20,604
AMERICAN FINANCIAL NETWORK, INC. 7 6.36% $9,788
Uwharrie Bank 7 6.16% $9,325
NFM, INC. 7 6.23% $11,384
U.S. Bank 7 6.14% $10,375
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 6.18% $7,537
PLAZA HOME MORTGAGE, INC. 7 6.71% $9,249
Plains Commerce Bank 7 6.34% $9,157
T2 FINANCIAL LLC 7 6.68% $5,931
ON Q FINANCIAL, INC. 6 6.81% $6,819
MILEND, INC. 6 6.54% $19,570
UNION HOME MORTGAGE CORP. 6 6.69% $8,092
PREMIER LENDING, INC. 6 6.58% $14,281
Prosperity Home Mortgage, LLC 6 6.12% $9,471
BAY EQUITY LLC 5 6.17% $15,346
SUN WEST MORTGAGE COMPANY, INC. 5 6.44% $7,651
GSF Mortgage Corporation 5 5.52% $7,967
CONTOUR MORTGAGE CORPORATION 5 6.30% $13,857
PLANET HOME LENDING, LLC 5 6.55% $8,455
ZILLOW HOME LOANS, LLC 4 6.63% $8,591
Allen Tate Mortgage Partners, LLC 4 5.88% $7,668
Ameris Bank 4 6.44% $3,852
Citizens Bank 4 6.28% $5,162
KBHS HOME LOANS, LLC 4 6.09% $15,467
LAKEVIEW LOAN SERVICING, LLC 4 5.75% $16,257
LEGEND LENDING CORPORATION 4 6.41% $11,395
MICHIGAN MUTUAL, INC. 4 5.44% $13,093
Renasant Bank 4 6.47% $3,806
CITY FIRST MORTGAGE SERVICES, L.L.C. 3 6.25% $2,389
Nations Lending Corporation 3 6.17% $8,668
Fifth Third Bank 3 6.04% $4,135
First-Citizens Bank & Trust Company 3 6.17% $7,041
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 6.21% $10,924
AMERICAN FINANCIAL RESOURCES, INC. 3 6.83% $3,823
American Mortgage & Equity Consultants, Inc. 3 6.58% $9,484
LADERA LENDING, INC. 3 6.92% $29,087
Lakeview Community Capital, LLC 3 6.21% $14,750
THRIVE MORTGAGE, LLC 3 6.71% $8,408
SOVEREIGN LENDING GROUP INCORPORATED 3 5.25% $18,782
South State Bank 3 6.13% $5,645
HOMESTAR FINANCIAL CORPORATION 3 6.58% $8,468
LOANPAL, LLC 3 6.00% $21,308
RESIDENTIAL HOME FUNDING CORP. 3 6.58% $6,563
Gateway First Bank 3 6.50% $6,723
VANDERBILT MORTGAGE AND FINANCE, INC. 3 6.75% $5,441
Regions Bank 3 5.38% $5,152
Wyndham Capital Mortgage, Inc. 3 5.17% $15,198
MID AMERICA MORTGAGE, INC. 3 6.54% $7,835
CHURCHILL MORTGAGE CORPORATION 3 6.46% $14,441
GENEVA FINANCIAL, LLC 2 6.63% $7,533
GoPrime Mortgage, Inc. 2 6.63% $17,892
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 6.75% $6,524
MCLEAN MORTGAGE CORPORATION 2 5.63% $4,253
MORTGAGEONE, INC. 2 7.56% $10,307
M&T Bank 2 6.13% $11,536
NATIONWIDE MORTGAGE BANKERS, INC. 2 7.12% $10,366
EQUITY RESOURCES, INC. 2 6.44% $7,433
EMM LOANS LLC 2 5.63% $18,940
DIRECT MORTGAGE LOANS, LLC 2 6.13% $10,523
DEVELOPER'S MORTGAGE COMPANY 2 6.38% $14,267
Pinnacle Bank 2 7.13% $22,865
Carrington Mortgage Services, LLC 2 5.63% $1,783
RADIUS FINANCIAL GROUP INC. 2 6.94% $9,400
Capital Bank 2 6.25% $6,974
Strong Home Mortgage, LLC 2 5.63% $11,587
TD Bank 2 6.13% $4,411
TOP FLITE FINANCIAL, INC. 2 7.00% $1,646
United Community Bank 2 6.31% $5,326
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.31% $17,232
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.06% $12,242
ALLIED MORTGAGE GROUP, INC. 2 7.00% $14,741
DRAPER AND KRAMER MORTGAGE CORP. 1 6.49% $11,287
NTFN, INC. 1 6.75% $7,837
HUNT MORTGAGE CORPORATION 1 5.63% $8,350
Old National Bank 1 5.88% $8,553
Waterstone Mortgage Corporation 1 6.75% $8,665
OPEN MORTGAGE, LLC 1 7.75% $4,525
DELMAR FINANCIAL COMPANY 1 6.75% $4,855
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.25% $5,642
Credence Funding Corporation 1 7.00% $1,653
PHH Mortgage Corporation 1 6.49% $10,547
JPMorgan Chase Bank 1 5.88% $500
COMMUNITYAMERICA 1 6.63% $11,454
Florida Capital Bank 1 6.75% $5,316
City Bank 1 5.50% $25,400
PNC Bank 1 7.38% $2,365
POLARIS HOME FUNDING CORP. 1 6.13% $13,646
F&M Bank 1 5.88% $6,452
C & F Mortgage Corporation 1 6.63% $4,790
Century Mortgage Company DBA Century Lending Company 1 5.50% $4,098
CBM Mortgage, Inc. 1 5.75% $13,852
Ixonia Bank 1 5.75% $7,547
CAPITAL CENTER, L.L.C. 1 5.63% $28,043
VAN DYK MORTGAGE CORPORATION 1 7.00% $12,628
HALLMARK HOME MORTGAGE, LLC 1 7.25% $19,998
MDE Home Loans, LLC 1 6.25% $3,080
CANOPY MORTGAGE, LLC 1 5.99% $4,846
ACOPIA, LLC 1 7.63% $6,168
Integrity Home Mortgage Corp 1 7.63% $2,448
RESOURCE FINANCIAL SERVICES, INC. 1 8.25% $5,456
CALIBER HOME LOANS, INC. 1 5.75% $8,175
SFMC, LP 1 7.75% $10,620
Shamrock Home Loans, Inc. 1 5.13% $10,141
Shea Mortgage Inc. 1 6.50% $2,374
Sierra Pacific Mortgage Company, Inc. 1 5.50% $16,275
Blue Ridge Bank 1 7.25% $4,815
Wolfe Financial, Inc 1 5.75% $4,328
Leader Bank 1 6.99% $4,260
Victorian Finance, LLC 1 7.25% $5,627
BAYSHORE MORTGAGE FUNDING, LLC 1 6.88% $13,394
Bank of Tennessee 1 5.75% $7,497
TBI MORTGAGE COMPANY 1 6.75% $4,505
Alerus Financial 1 6.25% $2,682
The Central Trust Bank 1 6.99% $10,720
Bank of England 1 5.75% $14,593
THE MORTGAGE LINK, INC. 1 5.25% $17,794
ALAMEDA MORTGAGE CORPORATION 1 6.25% $6,672
TIDEWATER MORTGAGE SERVICES, INC. 1 6.50% $7,257
Bank of America 1 5.75% $9,658
INTERNATIONAL CITY MORTGAGE, INC. 1 4.88% $10,932
Atlantic Union Bank 1 6.63% $4,057
TOWNE MORTGAGE COMPANY 1 7.13% $5,097
Assurance Financial Group, L.L.C. 1 5.25% $11,588
Trustmark National Bank 1 6.63% $11,134
First Internet Bank of Indiana 1 5.49% $3,461
FIRST HOME MORTGAGE CORPORATION 1 7.50% $2,290
MORTGAGE INVESTORS GROUP, INC. 1 7.13% $10,369
MORTGAGE ACCESS CORP. 1 5.75% $2,547
UMB Bank 1 7.13% $5,719
FIDELITY DIRECT MORTGAGE, LLC 1 6.88% $15,307
NATIONS DIRECT MORTGAGE, LLC 1 6.38% $19,429
First National Bank of Pennsylvania 1 6.50% $6,115
NATIONS RELIABLE LENDING, LLC 1 5.88% $10,725
Arvest Bank 1 6.00% $6,875
EVERETT FINANCIAL, INC. 1 6.63% $13,820
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.63% $8,314
NETWORK CAPITAL FUNDING CORPORATION 1 6.38% $14,890
HOMESTEAD FUNDING CORP. 1 5.50% $3,342
Gulf Coast Bank and Trust Company 1 7.13% $4,282
EMBRACE HOME LOANS, INC. 1 6.25% $4,030
North American Savings Bank, F.S.B. 1 5.88% $55

The top Charlotte VA lender as defined by loan originations is Mortgage Research Center, LLC, with 394 VA loans originated. Their average total fees are $7,696, which is $5,303 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Charlotte VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($3,028), GUARANTEED RATE, INC. ($5,604), EAGLE HOME MORTGAGE, LLC ($5,766), Truist ($5,799) and Northpointe Bank ($5,915).

The lowest rate Charlotte VA lenders (with over 10 loans originated) are NVR Mortgage Finance, Inc. (5.50%), DHI MORTGAGE COMPANY, LTD. (5.54%), PENNYMAC LOAN SERVICES, LLC (5.55%), AMERISAVE MORTGAGE CORPORATION (5.65%) and PENTAGON FEDERAL CREDIT UNION (5.66%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Charlotte (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $337,402 (8.9%) $436,934 (7.7%) 1.25 6,854
2018-02-01 $338,500 (6.5%) $442,760 (6.0%) 1.23 6,890
2018-03-01 $349,000 (5.8%) $452,256 (4.6%) 1.22 7,189
2018-04-01 $352,916 (3.8%) $463,121 (4.3%) 1.20 7,505
2018-05-01 $354,719 (2.2%) $468,323 (3.4%) 1.18 7,951
2018-06-01 $352,758 (1.3%) $464,301 (1.8%) 1.18 8,425
2018-07-01 $347,000 (0.6%) $453,480 (0.7%) 1.16 8,769
2018-08-01 $340,000 (0.2%) $445,833 (1.1%) 1.14 8,908
2018-09-01 $339,900 (0.7%) $443,535 (1.2%) 1.14 8,965
2018-10-01 $333,975 (-1.2%) $436,164 (-0.7%) 1.13 9,032
2018-11-01 $329,950 (-0.9%) $432,745 (-0.3%) 1.12 8,853
2018-12-01 $325,000 (-2.0%) $428,688 (-0.6%) 1.12 8,317
2019-01-01 $325,000 (-3.7%) $429,118 (-1.8%) 1.12 7,890
2019-02-01 $329,900 (-2.5%) $439,798 (-0.7%) 1.11 7,891
2019-03-01 $341,329 (-2.2%) $461,575 (2.1%) 1.12 7,939
2019-04-01 $349,950 (-0.8%) $474,915 (2.6%) 1.11 8,122
2019-05-01 $355,750 (0.3%) $478,421 (2.2%) 1.11 8,347
2019-06-01 $358,500 (1.6%) $477,847 (2.9%) 1.12 8,499
2019-07-01 $349,950 (0.9%) $457,689 (0.9%) 1.10 8,511
2019-08-01 $345,109 (1.5%) $455,218 (2.1%) 1.09 8,487
2019-09-01 $339,423 (-0.1%) $457,231 (3.1%) 1.09 8,399
2019-10-01 $335,632 (0.5%) $449,668 (3.1%) 1.08 8,304
2019-11-01 $334,750 (1.5%) $435,540 (0.7%) 1.10 7,812
2019-12-01 $335,882 (3.4%) $436,961 (1.9%) 1.12 6,995
2020-01-01 $336,675 (3.6%) $443,443 (3.3%) 1.13 6,361
2020-02-01 $340,888 (3.3%) $460,397 (4.7%) 1.12 5,749
2020-03-01 $349,950 (2.5%) $477,868 (3.5%) 1.10 5,975
2020-04-01 $340,320 (-2.8%) $459,662 (-3.2%) 1.07 6,500
2020-05-01 $352,938 (-0.8%) $484,739 (1.3%) 1.07 6,263
2020-06-01 $367,405 (2.5%) $509,202 (6.6%) 1.08 5,332
2020-07-01 $369,450 (5.6%) $513,307 (12.2%) 1.07 4,730
2020-08-01 $369,900 (7.2%) $515,953 (13.3%) 1.06 4,557
2020-09-01 $373,591 (10.1%) $520,568 (13.9%) 1.07 4,440
2020-10-01 $368,732 (9.9%) $516,090 (14.8%) 1.06 4,332
2020-11-01 $374,950 (12.0%) $519,927 (19.4%) 1.10 4,040
2020-12-01 $372,061 (10.8%) $513,364 (17.5%) 1.11 3,530
2021-01-01 $367,391 (9.1%) $508,532 (14.7%) 1.10 3,034
2021-02-01 $362,500 (6.3%) $511,201 (11.0%) 1.06 2,639
2021-03-01 $375,070 (7.2%) $545,201 (14.1%) 1.06 2,329
2021-04-01 $385,000 (13.1%) $554,098 (20.5%) 1.04 2,311
2021-05-01 $389,000 (10.2%) $550,233 (13.5%) 1.03 2,456
2021-06-01 $388,750 (5.8%) $541,814 (6.4%) 1.02 2,783
2021-07-01 $385,975 (4.5%) $527,944 (2.9%) 1.02 3,060
2021-08-01 $388,250 (5.0%) $516,997 (0.2%) 1.04 3,242
2021-09-01 $389,215 (4.2%) $524,313 (0.7%) 1.04 3,269
2021-10-01 $398,430 (8.1%) $525,286 (1.8%) 1.06 3,215
2021-11-01 $399,000 (6.4%) $521,379 (0.3%) 1.07 3,032
2021-12-01 $392,000 (5.4%) $519,938 (1.3%) 1.06 2,550
2022-01-01 $399,000 (8.6%) $529,046 (4.0%) 1.08 2,098
2022-02-01 $397,750 (9.7%) $550,199 (7.6%) 1.03 1,800
2022-03-01 $403,994 (7.7%) $559,287 (2.6%) 1.01 1,895
2022-04-01 $415,000 (7.8%) $582,445 (5.1%) 0.99 2,134
2022-05-01 $432,245 (11.1%) $596,914 (8.5%) 0.99 2,880
2022-06-01 $445,383 (14.6%) $597,206 (10.2%) 0.99 3,649
2022-07-01 $432,000 (11.9%) $578,299 (9.5%) 0.97 4,965
2022-08-01 $425,000 (9.5%) $567,894 (9.8%) 0.98 5,333
2022-09-01 $420,500 (8.0%) $567,737 (8.3%) 0.98 5,389
2022-10-01 $415,000 (4.2%) $552,120 (5.1%) 0.98 5,668
2022-11-01 $403,900 (1.2%) $540,222 (3.6%) 0.97 5,924
2022-12-01 $396,590 (1.2%) $528,046 (1.6%) 0.98 5,428
2023-01-01 $395,000 (-1.0%) $528,802 (-0.1%) 0.98 4,914
2023-02-01 $397,227 (-0.1%) $540,298 (-1.8%) 0.96 4,367
2023-03-01 $401,784 (-0.6%) $556,878 (-0.4%) 0.95 4,088
2023-04-01 $425,000 (2.4%) $590,203 (1.3%) 0.99 4,010
2023-05-01 $434,881 (0.6%) $624,514 (4.6%) 0.99 3,964
2023-06-01 $440,975 (-1.0%) $642,110 (7.5%) 0.99 4,109
2023-07-01 $439,900 (1.8%) $635,874 (10.0%) 1.00 4,234
2023-08-01 $429,736 (1.1%) $620,073 (9.2%) 0.99 4,400
2023-09-01 $425,000 (1.1%) $618,600 (9.0%) 0.99 4,629
2023-10-01 $420,948 (1.4%) $601,721 (9.0%) 0.99 5,106
2023-11-01 $414,945 (2.7%) $587,807 (8.8%) 0.99 5,285
2023-12-01 $400,000 (0.9%) $572,924 (8.5%) 0.98 5,014
2024-01-01 $400,000 (1.3%) $575,941 (8.9%) 0.98 4,626
2024-02-01 $400,000 (0.7%) $590,355 (9.3%) 0.96 4,571
2024-03-01 $410,104 (2.1%) $596,803 (7.2%) 0.97 4,902
2024-04-01 $422,450 (-0.6%) $623,412 (5.6%) 0.98 5,289
Charlotte's median listing price for 2024-04-01 was $422,450, a difference of $-2,550 (-0.6%) versus the prior year and $12,346 versus the prior month.

Charlotte's median listing price comes in at 98% of the national average.

Charlotte's average listing price for 2024-04-01 was $623,412, a difference of $33,209 (5.6%) versus the prior year and $26,609 versus the prior month.

For the 2024-04-01 period, Charlotte had 5,289 MLS listings, a difference of 387 listings (8%) versus the prior month and 1,279 listings (32%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Charlotte (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 79 days 2,580 sqft
2018-02-01 69 days 2,556 sqft
2018-03-01 46 days 2,622 sqft
2018-04-01 45 days 2,639 sqft
2018-05-01 45 days 2,651 sqft
2018-06-01 46 days 2,650 sqft
2018-07-01 50 days 2,602 sqft
2018-08-01 51 days 2,560 sqft
2018-09-01 56 days 2,540 sqft
2018-10-01 59 days 2,500 sqft
2018-11-01 59 days 2,468 sqft
2018-12-01 65 days 2,432 sqft
2019-01-01 72 days 2,416 sqft
2019-02-01 63 days 2,423 sqft
2019-03-01 51 days 2,480 sqft
2019-04-01 46 days 2,519 sqft
2019-05-01 46 days 2,558 sqft
2019-06-01 47 days 2,547 sqft
2019-07-01 50 days 2,482 sqft
2019-08-01 50 days 2,436 sqft
2019-09-01 52 days 2,407 sqft
2019-10-01 53 days 2,387 sqft
2019-11-01 55 days 2,362 sqft
2019-12-01 64 days 2,359 sqft
2020-01-01 70 days 2,334 sqft
2020-02-01 57 days 2,356 sqft
2020-03-01 38 days 2,388 sqft
2020-04-01 41 days 2,327 sqft
2020-05-01 52 days 2,409 sqft
2020-06-01 45 days 2,437 sqft
2020-07-01 42 days 2,424 sqft
2020-08-01 37 days 2,384 sqft
2020-09-01 33 days 2,356 sqft
2020-10-01 35 days 2,278 sqft
2020-11-01 41 days 2,236 sqft
2020-12-01 47 days 2,195 sqft
2021-01-01 46 days 2,192 sqft
2021-02-01 30 days 2,057 sqft
2021-03-01 28 days 2,077 sqft
2021-04-01 25 days 2,097 sqft
2021-05-01 22 days 2,110 sqft
2021-06-01 22 days 2,088 sqft
2021-07-01 24 days 2,058 sqft
2021-08-01 25 days 2,047 sqft
2021-09-01 28 days 2,061 sqft
2021-10-01 30 days 2,046 sqft
2021-11-01 31 days 2,040 sqft
2021-12-01 38 days 1,984 sqft
2022-01-01 39 days 1,986 sqft
2022-02-01 26 days 1,958 sqft
2022-03-01 17 days 1,978 sqft
2022-04-01 17 days 1,994 sqft
2022-05-01 20 days 2,042 sqft
2022-06-01 26 days 2,105 sqft
2022-07-01 30 days 2,085 sqft
2022-08-01 36 days 2,082 sqft
2022-09-01 43 days 2,079 sqft
2022-10-01 44 days 2,049 sqft
2022-11-01 47 days 2,017 sqft
2022-12-01 57 days 1,959 sqft
2023-01-01 67 days 1,938 sqft
2023-02-01 55 days 1,952 sqft
2023-03-01 42 days 1,968 sqft
2023-04-01 39 days 2,016 sqft
2023-05-01 39 days 2,056 sqft
2023-06-01 38 days 2,078 sqft
2023-07-01 39 days 2,089 sqft
2023-08-01 38 days 2,050 sqft
2023-09-01 40 days 2,031 sqft
2023-10-01 40 days 2,000 sqft
2023-11-01 43 days 1,945 sqft
2023-12-01 53 days 1,911 sqft
2024-01-01 59 days 1,890 sqft
2024-02-01 45 days 1,886 sqft
2024-03-01 38 days 1,919 sqft
2024-04-01 37 days 1,952 sqft
Charlotte's median listing age (time on market) for 2024-04-01 was 37 days. This is -5% shorter than the same period one year ago.

Charlotte's median square footage for active listings during the 2024-04-01 period was 1,952 sqft. One year prior, the average listing was 2,016 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.