Goldsboro VA Loan Rates, Closing Costs & Stats

GOLDSBORO, NC

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Goldsboro's 83 lenders originated 544 VA loans during 2023. The total origination value was $143,400,000, with an average VA loan value of $263,603.

    Goldsboro VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Goldsboro averaged 6.18% for the week of 2024-11-08, compared to the national average (all VA variants) of 6.34% for the same period.

    Goldsboro's average VA mortgage closing costs are $5,259.

    The average rate for the prior week (2024-11-01) was 6.04% and one month ago for the week of 2024-10-04, the average rate was 5.37%.

    The average rate one year ago was 7.42%.

    For refis of the same type during the week of 2024-11-08, the average rate was 6.92%.

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

    Goldsboro 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 Goldsboro level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 76 6.65% $6,242
    American Security Mortgage Corp. 60 5.99% $7,947
    UNITED WHOLESALE MORTGAGE, LLC 39 6.22% $7,436
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 32 6.39% $7,370
    MOVEMENT MORTGAGE, LLC 31 6.53% $7,226
    CORNERSTONE HOME LENDING, INC. 23 6.12% $8,989
    NAVY FEDERAL CREDIT UNION 22 5.70% $5,852
    PENNYMAC LOAN SERVICES, LLC 21 5.97% $7,150
    QUICKEN LOANS, LLC 20 6.07% $10,681
    NEW DAY FINANCIAL, LLC 14 7.50% $9,149
    USAA Federal Savings Bank 13 6.31% $8,345
    VELOCIO MORTGAGE L.L.C. 10 5.62% $9,785
    FREEDOM MORTGAGE CORPORATION 9 6.57% $14,802
    MICHIGAN MUTUAL, INC. 6 6.85% $6,925
    TOWNE MORTGAGE COMPANY 6 6.02% $8,523
    NEWREZ LLC 5 6.65% $9,154
    VILLAGE CAPITAL MORTGAGE 5 6.10% $9,581
    LOANDEPOT.COM, LLC 5 6.50% $10,888
    FBC MORTGAGE, LLC 5 6.17% $7,890
    The Federal Savings Bank 4 6.25% $14,939
    Wells Fargo Bank 4 5.50% $6,697
    Prosperity Home Mortgage, LLC 4 5.88% $9,674
    Truist 4 5.98% $4,358
    NBKC BANK 4 6.03% $7,031
    DHI MORTGAGE COMPANY, LTD. 4 5.87% $5,012
    HOMESPIRE MORTGAGE CORPORATION 4 6.28% $1,751
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.22% $3,006
    Credence Funding Corporation 3 5.63% $7,365
    ACADEMY MORTGAGE CORPORATION 3 5.88% $11,484
    Nations Lending Corporation 3 7.04% $13,312
    Mid-Continent Funding, Inc. 3 6.46% $6,149
    CROSSCOUNTRY MORTGAGE, LLC 3 6.50% $6,169
    BROKER SOLUTIONS, INC. 3 6.88% $10,208
    Equity Prime Mortgage LLC 3 6.58% $5,268
    Barrington Bank & Trust Company, N.A. 2 6.75% $7,603
    Blue Ridge Bank 2 6.31% $12,238
    CARDINAL FINANCIAL 2 5.69% $15,093
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.00% $7,599
    First-Citizens Bank & Trust Company 2 6.75% $7,192
    Flagstar Bank, FSB 2 6.50% $5,872
    GUARANTEED RATE, INC. 2 6.50% $4,223
    Magnolia Bank 2 6.31% $18,173
    Mr. Cooper ( Nationstar Mortgage ) 2 5.19% $9,865
    NFM, INC. 2 6.50% $5,452
    PENTAGON FEDERAL CREDIT UNION 2 5.69% $11,691
    Plains Commerce Bank 2 5.88% $7,038
    PLAZA HOME MORTGAGE, INC. 2 7.38% $8,295
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.50% $9,658
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.63% $12,887
    Towne Mortgage of the Carolinas, LLC 2 7.19% $10,751
    FIDELITY DIRECT MORTGAGE, LLC 1 6.75% $10,310
    CRESCENT MORTGAGE COMPANY 1 7.00% $2,937
    Core Bank 1 6.13% $10,660
    NETWORK CAPITAL FUNDING CORPORATION 1 5.63% $23,603
    CityWorth Mortgage LLC 1 7.25% $4,228
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $5,206
    Atlantic Coast Mortgage, LLC 1 6.13% $6,236
    NJ LENDERS CORP. 1 6.13% $10,365
    CHURCHILL MORTGAGE CORPORATION 1 7.50% $12,153
    AMERISAVE MORTGAGE CORPORATION 1 7.13% $12,596
    U.S. Bank 1 6.13% $8,382
    American Mortgage & Equity Consultants, Inc. 1 6.75% $3,818
    POLARIS HOME FUNDING CORP. 1 7.00% $11,205
    PREMIA MORTGAGE, LLC 1 5.25% $2,890
    CBM Mortgage, Inc. 1 6.50% $10,254
    CALCON MUTUAL MORTGAGE LLC 1 7.25% $11,690
    Regions Bank 1 5.75% $3,743
    Victorian Finance, LLC 1 6.50% $6,683
    Southern Bank and Trust Company 1 5.38% $7,971
    Alcova Mortgage LLC 1 7.25% $5,022
    Sunflower Bank 1 6.63% $11,100
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.25% $10,226
    Towne Bank 1 6.75% $7,627
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.13% $15,540
    Advisors Mortgage Group, L.L.C. 1 4.88% $221
    LOANPAL, LLC 1 6.75% $15,014
    LAKEVIEW LOAN SERVICING, LLC 1 6.25% $7,653
    MILEND, INC. 1 7.63% $9,380
    INTERCOASTAL MORTGAGE COMPANY 1 7.38% $3,269
    First Heritage Mortgage, LLC 1 6.13% $3,706
    FIRST COMMUNITY MORTGAGE, INC. 1 6.75% $3,597
    Bank of Springfield 1 6.13% $7,571
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $6,992

    The top Goldsboro VA lender as defined by loan originations is Mortgage Research Center, LLC, with 76 VA loans originated. Their average total fees are $6,242, which is $1,705 lower than the next largest lender, American Security Mortgage Corp..

    The lowest fee Goldsboro VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($5,852), Mortgage Research Center, LLC ($6,242), PENNYMAC LOAN SERVICES, LLC ($7,150), MOVEMENT MORTGAGE, LLC ($7,226) and ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($7,370).

    The lowest rate Goldsboro VA lenders (with over 10 loans originated) are VELOCIO MORTGAGE L.L.C. (5.62%), NAVY FEDERAL CREDIT UNION (5.70%), PENNYMAC LOAN SERVICES, LLC (5.97%), American Security Mortgage Corp. (5.99%) and QUICKEN LOANS, LLC (6.07%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Goldsboro (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 $169,100 (3.0%) $178,120 (-0.2%) 0.00 458
    2018-02-01 $165,450 (1.1%) $175,936 (-0.2%) 0.00 432
    2018-03-01 $165,000 (1.8%) $179,209 (1.6%) 0.00 387
    2018-04-01 $164,975 (0.0%) $180,249 (-0.3%) 0.00 407
    2018-05-01 $165,975 (-1.3%) $179,851 (-1.7%) 0.00 416
    2018-06-01 $167,000 (0.0%) $180,710 (-0.6%) 0.00 416
    2018-07-01 $167,850 (1.8%) $183,400 (1.3%) 0.00 433
    2018-08-01 $164,925 (1.2%) $180,848 (0.9%) 0.00 445
    2018-09-01 $169,900 (3.4%) $183,337 (3.3%) 0.00 444
    2018-10-01 $173,700 (6.3%) $186,384 (6.3%) 0.00 404
    2018-11-01 $168,925 (3.3%) $183,715 (4.7%) 0.00 383
    2018-12-01 $169,900 (0.5%) $185,272 (3.9%) 0.00 363
    2019-01-01 $169,900 (0.5%) $184,869 (3.8%) 0.00 335
    2019-02-01 $175,075 (5.8%) $189,866 (7.9%) 0.00 325
    2019-03-01 $182,186 (10.4%) $193,069 (7.7%) 0.00 307
    2019-04-01 $188,900 (14.5%) $197,284 (9.5%) 0.00 293
    2019-05-01 $191,227 (15.2%) $198,677 (10.5%) 0.00 288
    2019-06-01 $185,900 (11.3%) $195,873 (8.4%) 0.00 293
    2019-07-01 $182,450 (8.7%) $193,270 (5.4%) 0.00 289
    2019-08-01 $181,213 (9.9%) $190,991 (5.6%) 0.00 282
    2019-09-01 $183,181 (7.8%) $192,042 (4.8%) 0.00 286
    2019-10-01 $182,863 (5.3%) $192,503 (3.3%) 0.00 285
    2019-11-01 $189,250 (12.0%) $190,803 (3.9%) 0.00 261
    2019-12-01 $189,000 (11.2%) $187,267 (1.1%) 0.00 254
    2020-01-01 $188,825 (11.1%) $186,880 (1.1%) 0.00 233
    2020-02-01 $191,400 (9.3%) $190,219 (0.2%) 0.00 205
    2020-03-01 $189,550 (4.0%) $188,567 (-2.3%) 0.00 210
    2020-04-01 $185,950 (-1.6%) $185,019 (-6.2%) 0.00 201
    2020-05-01 $189,900 (-0.7%) $186,682 (-6.0%) 0.00 161
    2020-06-01 $193,425 (4.1%) $199,095 (1.6%) 0.00 179
    2020-07-01 $200,750 (10.0%) $201,673 (4.4%) 0.00 147
    2020-08-01 $187,500 (3.5%) $198,544 (4.0%) 0.00 140
    2020-09-01 $186,950 (2.1%) $203,270 (5.9%) 0.00 127
    2020-10-01 $180,000 (-1.6%) $201,634 (4.7%) 0.00 110
    2020-11-01 $185,445 (-2.0%) $206,390 (8.2%) 0.00 119
    2020-12-01 $191,225 (1.2%) $213,047 (13.8%) 0.00 106
    2021-01-01 $195,000 (3.3%) $208,538 (11.6%) 0.00 104
    2021-02-01 $183,675 (-4.0%) $214,813 (12.9%) 0.00 94
    2021-03-01 $197,100 (4.0%) $207,966 (10.3%) 0.00 82
    2021-04-01 $218,188 (17.3%) $227,797 (23.1%) 0.00 77
    2021-05-01 $239,900 (26.3%) $238,175 (27.6%) 0.00 93
    2021-06-01 $227,425 (17.6%) $239,154 (20.1%) 0.00 102
    2021-07-01 $210,000 (4.6%) $227,590 (12.9%) 0.00 120
    2021-08-01 $217,033 (15.8%) $224,059 (12.9%) 0.00 129
    2021-09-01 $180,850 (-3.3%) $200,159 (-1.5%) 0.00 119
    2021-10-01 $189,900 (5.5%) $202,325 (0.3%) 0.00 116
    2021-11-01 $184,700 (-0.4%) $221,344 (7.3%) 0.00 97
    2021-12-01 $201,250 (5.2%) $230,060 (8.0%) 0.00 102
    2022-01-01 $247,900 (27.1%) $254,541 (22.1%) 0.00 96
    2022-02-01 $234,950 (27.9%) $247,651 (15.3%) 0.00 77
    2022-03-01 $226,150 (14.7%) $245,303 (18.0%) 0.00 69
    2022-04-01 $260,000 (19.2%) $270,018 (18.5%) 0.00 69
    2022-05-01 $235,950 (-1.7%) $278,970 (17.1%) 0.00 121
    2022-06-01 $223,575 (-1.7%) $293,665 (22.8%) 0.00 149
    2022-07-01 $240,000 (14.3%) $292,088 (28.3%) 0.00 179
    2022-08-01 $252,250 (16.2%) $277,075 (23.7%) 0.00 186
    2022-09-01 $243,520 (34.7%) $272,629 (36.2%) 0.00 197
    2022-10-01 $249,900 (31.6%) $285,517 (41.1%) 0.00 170
    2022-11-01 $249,900 (35.3%) $276,275 (24.8%) 0.00 195
    2022-12-01 $262,900 (30.6%) $285,292 (24.0%) 0.00 188
    2023-01-01 $263,175 (6.2%) $284,509 (11.8%) 0.00 164
    2023-02-01 $283,200 (20.5%) $289,028 (16.7%) 0.00 150
    2023-03-01 $290,400 (28.4%) $290,938 (18.6%) 0.00 123
    2023-04-01 $300,900 (15.7%) $306,925 (13.7%) 0.00 111
    2023-05-01 $306,725 (30.0%) $311,023 (11.5%) 0.00 122
    2023-06-01 $296,173 (32.5%) $302,374 (3.0%) 0.00 130
    2023-07-01 $282,900 (17.9%) $303,271 (3.8%) 0.00 126
    2023-08-01 $284,250 (12.7%) $299,822 (8.2%) 0.00 150
    2023-09-01 $285,000 (17.0%) $322,586 (18.3%) 0.00 170
    2023-10-01 $289,400 (15.8%) $322,304 (12.9%) 0.00 201
    2023-11-01 $286,015 (14.5%) $318,392 (15.2%) 0.00 225
    2023-12-01 $288,999 (9.9%) $319,590 (12.0%) 0.00 241
    2024-01-01 $289,925 (10.2%) $320,290 (12.6%) 0.00 231
    2024-02-01 $287,725 (1.6%) $317,123 (9.7%) 0.00 222
    2024-03-01 $280,000 (-3.6%) $315,486 (8.4%) 0.00 226
    2024-04-01 $287,700 (-4.4%) $315,141 (2.7%) 0.00 229
    2024-05-01 $300,925 (-1.9%) $337,121 (8.4%) 0.00 237
    2024-06-01 $304,200 (2.7%) $344,910 (14.1%) 0.00 250
    2024-07-01 $298,000 (5.3%) $329,321 (8.6%) 0.00 273
    2024-08-01 $294,900 (3.8%) $324,147 (8.1%) 0.00 287
    2024-09-01 $291,175 (2.2%) $315,516 (-2.2%) 0.00 290
    2024-10-01 $289,450 (0.0%) $310,454 (-3.7%) 0.00 322
    Goldsboro's median listing price for 2024-10-01 was $289,450, a difference of $50 (0.0%) versus the prior year and $-1,725 versus the prior month.

    Goldsboro's median listing price comes in at 0% of the national average.

    Goldsboro's average listing price for 2024-10-01 was $310,454, a difference of $-11,850 (-3.7%) versus the prior year and $-5,062 versus the prior month.

    For the 2024-10-01 period, Goldsboro had 322 MLS listings, a difference of 32 listings (11%) versus the prior month and 121 listings (60%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Goldsboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,863 sqft
    2018-02-01 0 days 1,807 sqft
    2018-03-01 0 days 1,852 sqft
    2018-04-01 0 days 1,859 sqft
    2018-05-01 0 days 1,846 sqft
    2018-06-01 0 days 1,834 sqft
    2018-07-01 0 days 1,860 sqft
    2018-08-01 0 days 1,856 sqft
    2018-09-01 0 days 1,858 sqft
    2018-10-01 0 days 1,889 sqft
    2018-11-01 0 days 1,870 sqft
    2018-12-01 0 days 1,907 sqft
    2019-01-01 0 days 1,924 sqft
    2019-02-01 0 days 1,983 sqft
    2019-03-01 0 days 2,000 sqft
    2019-04-01 0 days 2,047 sqft
    2019-05-01 0 days 2,099 sqft
    2019-06-01 0 days 2,109 sqft
    2019-07-01 0 days 2,101 sqft
    2019-08-01 0 days 2,066 sqft
    2019-09-01 0 days 2,030 sqft
    2019-10-01 0 days 2,010 sqft
    2019-11-01 0 days 1,939 sqft
    2019-12-01 0 days 1,866 sqft
    2020-01-01 0 days 1,916 sqft
    2020-02-01 0 days 2,000 sqft
    2020-03-01 0 days 1,925 sqft
    2020-04-01 0 days 1,902 sqft
    2020-05-01 0 days 1,939 sqft
    2020-06-01 0 days 2,038 sqft
    2020-07-01 0 days 2,139 sqft
    2020-08-01 0 days 2,085 sqft
    2020-09-01 0 days 2,015 sqft
    2020-10-01 0 days 1,939 sqft
    2020-11-01 0 days 1,856 sqft
    2020-12-01 0 days 1,860 sqft
    2021-01-01 0 days 1,770 sqft
    2021-02-01 0 days 1,693 sqft
    2021-03-01 0 days 1,862 sqft
    2021-04-01 0 days 1,840 sqft
    2021-05-01 0 days 1,958 sqft
    2021-06-01 0 days 1,928 sqft
    2021-07-01 0 days 1,877 sqft
    2021-08-01 0 days 1,853 sqft
    2021-09-01 0 days 1,755 sqft
    2021-10-01 0 days 1,611 sqft
    2021-11-01 0 days 1,748 sqft
    2021-12-01 0 days 1,826 sqft
    2022-01-01 0 days 1,874 sqft
    2022-02-01 0 days 1,867 sqft
    2022-03-01 0 days 1,769 sqft
    2022-04-01 0 days 1,883 sqft
    2022-05-01 0 days 1,928 sqft
    2022-06-01 0 days 2,043 sqft
    2022-07-01 0 days 1,916 sqft
    2022-08-01 0 days 1,846 sqft
    2022-09-01 0 days 1,764 sqft
    2022-10-01 0 days 1,807 sqft
    2022-11-01 0 days 1,811 sqft
    2022-12-01 0 days 1,912 sqft
    2023-01-01 0 days 1,874 sqft
    2023-02-01 0 days 1,858 sqft
    2023-03-01 0 days 1,909 sqft
    2023-04-01 0 days 1,919 sqft
    2023-05-01 0 days 2,002 sqft
    2023-06-01 0 days 1,831 sqft
    2023-07-01 0 days 1,911 sqft
    2023-08-01 0 days 1,881 sqft
    2023-09-01 0 days 1,893 sqft
    2023-10-01 0 days 1,946 sqft
    2023-11-01 0 days 1,905 sqft
    2023-12-01 0 days 1,796 sqft
    2024-01-01 0 days 1,793 sqft
    2024-02-01 0 days 1,746 sqft
    2024-03-01 0 days 1,782 sqft
    2024-04-01 0 days 1,807 sqft
    2024-05-01 0 days 1,800 sqft
    2024-06-01 0 days 1,810 sqft
    2024-07-01 0 days 1,773 sqft
    2024-08-01 0 days 1,720 sqft
    2024-09-01 0 days 1,709 sqft
    2024-10-01 0 days 1,694 sqft
    Goldsboro's median listing age (time on market) for 2024-10-01 was 0 days.

    Goldsboro's median square footage for active listings during the 2024-10-01 period was 1,694 sqft. One year prior, the average listing was 1,946 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.