Goldsboro VA Loan Rates, Closing Costs & Stats
GOLDSBORO, NC
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
5.7%
for the week of 2024-10-11, compared to the national average (all VA variants) of
5.854% for the same period.
Goldsboro's average VA mortgage closing costs are $5,259.
The average rate for the prior week (2024-10-04) was
5.47% and
one month ago for the week of 2024-09-06, the
average rate was 5.86%.
The average rate one year ago was 7.13%.
For refis of the same type during the week of 2024-10-11, the average rate
was 6.23%.
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.
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. LouisDate | 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 |
Goldsboro's median listing price comes in at 0% of the national average.
Goldsboro's average listing price for 2024-09-01 was $315,516, a difference of $-7,070 (-2.2%) versus the prior year and $-8,631 versus the prior month.
For the 2024-09-01 period, Goldsboro had 290 MLS listings, a difference of 3 listings (1%) versus the prior month and 120 listings (71%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Goldsboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 |
Goldsboro's median square footage for active listings during the 2024-09-01 period was 1,709 sqft. One year prior, the average listing was 1,893 sqft.