Goldsboro VA Loan Rates, Closing Costs & Stats

GOLDSBORO, NC

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    • 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 88 lenders originated 685 VA loans during 2024. The total origination value was $188,815,000, with an average VA loan value of $275,642.

    Goldsboro VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Goldsboro averaged 0.4% for the week of 2025-07-04, compared to the national average (all VA variants) of 0% for the same period.

    Goldsboro's average VA mortgage closing costs are $5,555.

    The average rate for the prior week (2025-06-27) was 6.43% and one month ago for the week of 2025-05-30, the average rate was 6.56%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-07-04, the average rate was 0.07%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 90 6.49% $5,209
    UNITED WHOLESALE MORTGAGE, LLC 68 5.87% $7,177
    American Security Mortgage Corp. 44 6.13% $9,645
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 39 6.35% $7,944
    FREEDOM MORTGAGE CORPORATION 29 6.33% $10,212
    CORNERSTONE HOME LENDING, INC. 28 5.85% $5,933
    MICHIGAN MUTUAL, INC. 28 6.28% $5,865
    PENNYMAC LOAN SERVICES, LLC 27 5.62% $7,951
    MOVEMENT MORTGAGE, LLC 27 6.37% $8,509
    QUICKEN LOANS, LLC 23 6.13% $8,410
    FBC MORTGAGE, LLC 21 5.68% $10,121
    DHI MORTGAGE COMPANY, LTD. 20 4.98% $7,760
    NAVY FEDERAL CREDIT UNION 18 5.80% $6,496
    USAA Federal Savings Bank 15 6.34% $7,413
    VELOCIO MORTGAGE L.L.C. 12 5.35% $7,825
    NEW DAY FINANCIAL, LLC 10 7.12% $7,670
    NEWREZ LLC 9 6.09% $6,278
    VILLAGE CAPITAL MORTGAGE 9 5.75% $4,336
    LOANDEPOT.COM, LLC 6 6.02% $9,792
    GUILD MORTGAGE COMPANY 5 5.50% $10,012
    STOCKTON MORTGAGE CORPORATION 5 6.55% $10,386
    Regions Bank 5 6.40% $8,363
    CROSSCOUNTRY MORTGAGE, LLC 5 6.33% $6,637
    CHURCHILL MORTGAGE CORPORATION 4 6.81% $8,170
    Mr. Cooper ( Nationstar Mortgage ) 4 6.19% $9,506
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.78% $5,507
    The Federal Savings Bank 4 6.19% $13,324
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.94% $5,632
    LAKEVIEW LOAN SERVICING, LLC 4 5.72% $5,477
    Mid-Continent Funding, Inc. 3 6.17% $11,474
    Residential Acceptance Corporation 3 7.92% $4,947
    LOANPAL, LLC 3 5.67% $11,644
    CMG MORTGAGE, INC. 3 6.33% $8,906
    Sunflower Bank 3 6.58% $13,883
    ZILLOW HOME LOANS, LLC 2 6.38% $2,614
    ALLIED MORTGAGE GROUP, INC. 2 6.69% $6,156
    AMERISAVE MORTGAGE CORPORATION 2 4.88% $15,328
    Ameris Bank 2 6.19% $5,876
    Barrington Bank & Trust Company, N.A. 2 6.00% $2,926
    BROKER SOLUTIONS, INC. 2 7.25% $9,726
    Carrington Mortgage Services, LLC 2 5.69% $5,874
    Corporate Investors Mortgage Group, Inc. 2 6.25% $9,680
    Credence Funding Corporation 2 5.75% $4,082
    Equity Prime Mortgage LLC 2 6.38% $5,605
    GUARANTEED RATE, INC. 2 6.19% $8,327
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 6.37% $2,419
    INTERCOASTAL MORTGAGE COMPANY 2 7.38% $3,978
    Lakeview Community Capital, LLC 2 5.56% $7,432
    NBKC BANK 2 6.06% $4,817
    Prosperity Home Mortgage, LLC 2 5.94% $11,255
    T2 FINANCIAL LLC 2 6.50% $9,467
    TOWNE MORTGAGE COMPANY 2 5.44% $13,357
    Towne Mortgage of the Carolinas, LLC 2 6.31% $8,872
    Truist 2 6.05% $4,696
    V.I.P. MORTGAGE, INC. 2 5.88% $8,126
    NJ LENDERS CORP. 1 5.25% $3,826
    North American Savings Bank, F.S.B. 1 4.88% $24,155
    NP, Inc. 1 6.13% $7,801
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $7,950
    ENVOY MORTGAGE, LTD 1 6.13% $3,295
    AmeriHome Mortgage Company, LLC 1 5.99% $3,494
    CONTOUR MORTGAGE CORPORATION 1 6.13% $11,674
    CityWorth Mortgage LLC 1 6.75% $1,287
    Century Mortgage Company DBA Century Lending Company 1 6.75% $3,423
    RiverHills Bank 1 6.75% $8,982
    SOUTHERN TRUST MORTGAGE, LLC 1 6.25% $13,568
    CASTLE & COOKE MORTGAGE, LLC 1 5.75% $7,813
    SUCCESS MORTGAGE PARTNERS, INC. 1 5.00% $8,162
    BAYSHORE MORTGAGE FUNDING, LLC 1 6.50% $7,018
    SUN WEST MORTGAGE COMPANY, INC. 1 5.50% $2,220
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.13% $4,728
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $8,403
    The Fidelity Bank 1 6.75% $3,328
    TOP FLITE FINANCIAL, INC. 1 6.25% $20,549
    Towne Bank 1 6.63% $6,856
    AMERICAN FINANCIAL NETWORK, INC. 1 5.88% $14,455
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 5.63% $21,977
    Wells Fargo Bank 1 5.13% $17,314
    UNION HOME MORTGAGE CORP. 1 6.13% $17,076
    United Community Bank 1 5.38% $5,363
    AMERITRUST MORTGAGE CORPORATION 1 7.00% $2,462
    Integrity Home Mortgage Corp 1 6.75% $1,265
    Nations Lending Corporation 1 6.63% $2,072
    HOMESIDE FINANCIAL, LLC 1 7.00% $7,892
    UNIVERSITY Federal Credit Union 1 6.25% $14,460
    Flagstar Bank, FSB 1 6.25% $6,085
    FIRST STATE MORTGAGE SERVICES, LLC 1 6.25% $11,298
    NFM, INC. 1 6.00% $14,198

    The top Goldsboro VA lender as defined by loan originations is Mortgage Research Center, LLC, with 90 VA loans originated. Their average total fees are $5,209, which is $1,969 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Goldsboro VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,209), MICHIGAN MUTUAL, INC. ($5,865), CORNERSTONE HOME LENDING, INC. ($5,933), NAVY FEDERAL CREDIT UNION ($6,496) and UNITED WHOLESALE MORTGAGE, LLC ($7,177).

    The lowest rate Goldsboro VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.98%), VELOCIO MORTGAGE L.L.C. (5.35%), PENNYMAC LOAN SERVICES, LLC (5.62%), FBC MORTGAGE, LLC (5.68%) and NAVY FEDERAL CREDIT UNION (5.80%).

    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 $168,750 (2.8%) $178,062 (-0.3%) 0.00 459
    2018-02-01 $165,225 (0.9%) $175,880 (-0.2%) 0.00 433
    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 $169,225 (3.5%) $183,864 (4.8%) 0.00 384
    2018-12-01 $169,950 (0.6%) $185,596 (4.1%) 0.00 364
    2019-01-01 $169,900 (0.7%) $185,215 (4.0%) 0.00 336
    2019-02-01 $175,700 (6.3%) $190,239 (8.2%) 0.00 325
    2019-03-01 $184,014 (11.5%) $193,582 (8.0%) 0.00 307
    2019-04-01 $189,700 (15.0%) $197,815 (9.8%) 0.00 293
    2019-05-01 $191,400 (15.3%) $199,214 (10.8%) 0.00 290
    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 $181,264 (9.9%) $191,168 (5.7%) 0.00 282
    2019-09-01 $183,309 (7.9%) $192,310 (4.9%) 0.00 287
    2019-10-01 $184,173 (6.0%) $192,785 (3.4%) 0.00 285
    2019-11-01 $189,500 (12.0%) $190,911 (3.8%) 0.00 261
    2019-12-01 $189,125 (11.3%) $187,392 (1.0%) 0.00 254
    2020-01-01 $190,450 (12.1%) $187,012 (1.0%) 0.00 233
    2020-02-01 $191,400 (8.9%) $190,219 (0.0%) 0.00 205
    2020-03-01 $189,725 (3.1%) $188,700 (-2.5%) 0.00 211
    2020-04-01 $186,200 (-1.9%) $185,019 (-6.5%) 0.00 201
    2020-05-01 $189,900 (-0.8%) $186,682 (-6.3%) 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 (3.4%) $198,544 (3.9%) 0.00 140
    2020-09-01 $186,950 (2.0%) $203,270 (5.7%) 0.00 127
    2020-10-01 $180,000 (-2.3%) $201,634 (4.6%) 0.00 110
    2020-11-01 $185,445 (-2.1%) $206,390 (8.1%) 0.00 119
    2020-12-01 $191,225 (1.1%) $213,047 (13.7%) 0.00 106
    2021-01-01 $195,000 (2.4%) $208,538 (11.5%) 0.00 104
    2021-02-01 $183,675 (-4.0%) $214,813 (12.9%) 0.00 94
    2021-03-01 $197,975 (4.4%) $208,216 (10.3%) 0.00 83
    2021-04-01 $218,188 (17.2%) $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%) $229,572 (13.8%) 0.00 122
    2021-08-01 $218,675 (16.6%) $224,678 (13.2%) 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 $184,800 (-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 98
    2022-02-01 $234,950 (27.9%) $247,651 (15.3%) 0.00 77
    2022-03-01 $226,150 (14.2%) $245,303 (17.8%) 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 (27.2%) 0.00 179
    2022-08-01 $252,250 (15.4%) $277,075 (23.3%) 0.00 186
    2022-09-01 $243,520 (34.7%) $272,629 (36.2%) 0.00 197
    2022-10-01 $249,900 (31.6%) $286,284 (41.5%) 0.00 170
    2022-11-01 $249,925 (35.2%) $276,568 (25.0%) 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%) 0.00 112
    2023-05-01 $306,725 (30.0%) $311,102 (11.5%) 0.00 122
    2023-06-01 $296,173 (32.5%) $302,299 (2.9%) 0.00 130
    2023-07-01 $282,450 (17.7%) $303,271 (3.8%) 0.00 126
    2023-08-01 $285,500 (13.2%) $299,850 (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 (12.6%) 0.00 201
    2023-11-01 $286,290 (14.6%) $318,392 (15.1%) 0.00 225
    2023-12-01 $289,000 (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 $279,950 (-3.6%) $315,591 (8.5%) 0.00 226
    2024-04-01 $287,450 (-4.5%) $315,241 (2.7%) 0.00 228
    2024-05-01 $297,975 (-2.9%) $331,696 (6.6%) 0.00 236
    2024-06-01 $299,900 (1.3%) $339,692 (12.4%) 0.00 249
    2024-07-01 $298,000 (5.5%) $329,321 (8.6%) 0.00 273
    2024-08-01 $294,900 (3.3%) $324,147 (8.1%) 0.00 287
    2024-09-01 $291,400 (2.3%) $315,547 (-2.2%) 0.00 292
    2024-10-01 $289,450 (0.0%) $310,574 (-3.6%) 0.00 324
    2024-11-01 $285,060 (-0.4%) $307,544 (-3.4%) 0.00 343
    2024-12-01 $284,800 (-1.5%) $307,948 (-3.6%) 0.00 339
    2025-01-01 $289,650 (-0.1%) $305,585 (-4.6%) 0.00 318
    2025-02-01 $290,604 (1.0%) $308,312 (-2.8%) 0.00 315
    2025-03-01 $295,000 (5.4%) $309,977 (-1.8%) 0.00 338
    2025-04-01 $298,175 (3.7%) $315,984 (0.2%) 0.00 349
    2025-05-01 $295,000 (-1.0%) $320,648 (-3.3%) 0.00 346
    Goldsboro's median listing price for 2025-05-01 was $295,000, a difference of $-2,975 (-1.0%) versus the prior year and $-3,175 versus the prior month.

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

    Goldsboro's average listing price for 2025-05-01 was $320,648, a difference of $-11,048 (-3.3%) versus the prior year and $4,664 versus the prior month.

    For the 2025-05-01 period, Goldsboro had 346 MLS listings, a difference of -3 listings (-1%) versus the prior month and 110 listings (47%) 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 1,861 sqft
    2018-02-01 0 days 1,803 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 1,874 sqft
    2018-12-01 0 days 1,914 sqft
    2019-01-01 0 days 1,929 sqft
    2019-02-01 0 days 1,985 sqft
    2019-03-01 0 days 2,003 sqft
    2019-04-01 0 days 2,050 sqft
    2019-05-01 0 days 2,100 sqft
    2019-06-01 0 days 2,109 sqft
    2019-07-01 0 days 2,101 sqft
    2019-08-01 0 days 2,065 sqft
    2019-09-01 0 days 2,030 sqft
    2019-10-01 0 days 2,010 sqft
    2019-11-01 0 days 1,931 sqft
    2019-12-01 0 days 1,877 sqft
    2020-01-01 0 days 1,916 sqft
    2020-02-01 0 days 2,000 sqft
    2020-03-01 0 days 1,926 sqft
    2020-04-01 0 days 1,904 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 1,882 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 1,884 sqft
    2021-08-01 0 days 1,855 sqft
    2021-09-01 0 days 1,755 sqft
    2021-10-01 0 days 1,611 sqft
    2021-11-01 0 days 1,751 sqft
    2021-12-01 0 days 1,826 sqft
    2022-01-01 0 days 1,926 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 1,814 sqft
    2022-12-01 0 days 1,919 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 1,901 sqft
    2023-05-01 0 days 2,002 sqft
    2023-06-01 0 days 1,831 sqft
    2023-07-01 0 days 1,881 sqft
    2023-08-01 0 days 1,886 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 1,784 sqft
    2024-04-01 0 days 1,809 sqft
    2024-05-01 0 days 1,784 sqft
    2024-06-01 0 days 1,798 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 1,698 sqft
    2024-11-01 0 days 1,698 sqft
    2024-12-01 0 days 1,680 sqft
    2025-01-01 0 days 1,716 sqft
    2025-02-01 0 days 1,764 sqft
    2025-03-01 0 days 1,707 sqft
    2025-04-01 0 days 1,704 sqft
    2025-05-01 0 days 1,664 sqft
    Goldsboro's median listing age (time on market) for 2025-05-01 was 0 days.

    Goldsboro's median square footage for active listings during the 2025-05-01 period was 1,664 sqft. One year prior, the average listing was 1,784 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.