Greensboro VA Loan Rates, Closing Costs & Stats
GREENSBORO-HIGH POINT, 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.
Greensboro's 127 lenders originated 1,201 VA loans during 2024. The total origination value was $373,465,000, with an average VA loan value of $310,962.
Greensboro VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Greensboro
averaged
6.92%
for the week of 2025-07-11, compared to the national average (all VA variants) of
6.37% for the same period.
Greensboro's average VA mortgage closing costs are $5,745.
The average rate for the prior week (2025-07-04) was
6.83% and
one month ago for the week of 2025-06-06, the
average rate was 6.81%.
The average rate one year ago was 7.03%.
For refis of the same type during the week of 2025-07-11, the average rate
was 6.89%.
Greensboro 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 Greensboro level.
The top Greensboro VA lender as defined by loan originations is Mortgage Research Center, LLC, with
182 VA loans originated. Their average total fees are
$5,406, which is $2,861
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Greensboro VA lenders (with over 10 loans originated) are
UNION HOME MORTGAGE CORP. ($5,142), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,174), GUARANTEED RATE, INC. ($5,202), Mortgage Research Center, LLC ($5,406) and DHI MORTGAGE COMPANY, LTD. ($5,494).
The lowest rate Greensboro VA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.35%), PENNYMAC LOAN SERVICES, LLC (5.59%), VILLAGE CAPITAL MORTGAGE (5.79%), LOANDEPOT.COM, LLC (5.83%) and UNITED WHOLESALE MORTGAGE, LLC (5.84%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Greensboro (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 | $205,000 (14.1%) | $307,535 (14.8%) | 0.76 | 2,360 |
| 2018-02-01 | $214,238 (16.0%) | $313,783 (13.8%) | 0.78 | 2,285 |
| 2018-03-01 | $225,000 (19.8%) | $321,380 (14.9%) | 0.79 | 2,267 |
| 2018-04-01 | $242,000 (21.1%) | $329,300 (14.8%) | 0.82 | 2,246 |
| 2018-05-01 | $244,000 (16.2%) | $330,513 (11.1%) | 0.81 | 2,353 |
| 2018-06-01 | $239,900 (12.0%) | $328,792 (9.5%) | 0.80 | 2,406 |
| 2018-07-01 | $244,975 (17.2%) | $326,378 (10.1%) | 0.82 | 2,401 |
| 2018-08-01 | $247,030 (16.7%) | $306,499 (3.6%) | 0.83 | 2,095 |
| 2018-09-01 | $249,000 (15.8%) | $308,923 (2.6%) | 0.84 | 2,086 |
| 2018-10-01 | $247,690 (14.7%) | $306,357 (0.7%) | 0.84 | 2,112 |
| 2018-11-01 | $244,950 (20.4%) | $301,704 (-0.2%) | 0.83 | 2,090 |
| 2018-12-01 | $246,330 (23.5%) | $303,298 (1.4%) | 0.85 | 2,002 |
| 2019-01-01 | $249,900 (21.9%) | $307,227 (-0.1%) | 0.86 | 1,822 |
| 2019-02-01 | $254,400 (18.8%) | $306,646 (-2.3%) | 0.86 | 1,724 |
| 2019-03-01 | $260,714 (15.9%) | $317,009 (-1.4%) | 0.85 | 1,681 |
| 2019-04-01 | $265,000 (9.5%) | $327,157 (-0.7%) | 0.84 | 1,688 |
| 2019-05-01 | $269,900 (10.6%) | $328,700 (-0.6%) | 0.84 | 1,790 |
| 2019-06-01 | $264,485 (10.3%) | $324,708 (-1.2%) | 0.83 | 1,866 |
| 2019-07-01 | $266,750 (8.9%) | $324,428 (-0.6%) | 0.84 | 1,887 |
| 2019-08-01 | $262,490 (6.3%) | $318,705 (4.0%) | 0.83 | 1,920 |
| 2019-09-01 | $261,033 (4.8%) | $315,805 (2.2%) | 0.84 | 1,926 |
| 2019-10-01 | $262,419 (6.0%) | $316,748 (3.4%) | 0.85 | 1,902 |
| 2019-11-01 | $264,174 (7.9%) | $318,476 (5.6%) | 0.87 | 1,839 |
| 2019-12-01 | $265,515 (7.8%) | $316,698 (4.4%) | 0.89 | 1,616 |
| 2020-01-01 | $264,597 (5.9%) | $313,990 (2.2%) | 0.88 | 1,454 |
| 2020-02-01 | $261,310 (2.7%) | $314,845 (2.7%) | 0.86 | 1,355 |
| 2020-03-01 | $268,450 (3.0%) | $324,171 (2.3%) | 0.84 | 1,347 |
| 2020-04-01 | $260,623 (-1.7%) | $324,129 (-0.9%) | 0.82 | 1,410 |
| 2020-05-01 | $284,000 (5.2%) | $346,651 (5.5%) | 0.86 | 1,372 |
| 2020-06-01 | $291,248 (10.1%) | $369,955 (13.9%) | 0.86 | 1,254 |
| 2020-07-01 | $296,578 (11.2%) | $368,479 (13.6%) | 0.86 | 1,135 |
| 2020-08-01 | $299,000 (13.9%) | $372,479 (16.9%) | 0.86 | 1,066 |
| 2020-09-01 | $296,900 (13.7%) | $374,241 (18.5%) | 0.85 | 994 |
| 2020-10-01 | $284,900 (8.6%) | $361,741 (14.2%) | 0.82 | 968 |
| 2020-11-01 | $264,500 (0.1%) | $339,746 (6.7%) | 0.77 | 923 |
| 2020-12-01 | $257,695 (-3.0%) | $339,258 (7.1%) | 0.77 | 910 |
| 2021-01-01 | $260,000 (-1.7%) | $347,303 (10.6%) | 0.78 | 731 |
| 2021-02-01 | $248,698 (-4.8%) | $345,475 (9.7%) | 0.72 | 631 |
| 2021-03-01 | $252,500 (-5.9%) | $355,146 (9.6%) | 0.72 | 550 |
| 2021-04-01 | $250,000 (-4.1%) | $349,550 (7.8%) | 0.68 | 548 |
| 2021-05-01 | $245,900 (-13.4%) | $341,850 (-1.4%) | 0.65 | 605 |
| 2021-06-01 | $256,175 (-12.0%) | $346,599 (-6.3%) | 0.67 | 673 |
| 2021-07-01 | $250,000 (-15.7%) | $339,945 (-7.7%) | 0.66 | 744 |
| 2021-08-01 | $256,995 (-14.1%) | $353,253 (-5.2%) | 0.69 | 856 |
| 2021-09-01 | $257,000 (-13.4%) | $350,308 (-6.4%) | 0.69 | 908 |
| 2021-10-01 | $255,000 (-10.5%) | $355,984 (-1.6%) | 0.68 | 897 |
| 2021-11-01 | $259,195 (-2.0%) | $355,152 (4.5%) | 0.69 | 826 |
| 2021-12-01 | $258,847 (0.5%) | $365,089 (7.6%) | 0.70 | 685 |
| 2022-01-01 | $274,900 (5.7%) | $374,901 (8.0%) | 0.74 | 557 |
| 2022-02-01 | $275,000 (10.6%) | $381,210 (10.3%) | 0.72 | 478 |
| 2022-03-01 | $278,950 (10.5%) | $383,296 (7.9%) | 0.70 | 469 |
| 2022-04-01 | $299,000 (19.6%) | $402,895 (15.3%) | 0.71 | 486 |
| 2022-05-01 | $319,500 (29.9%) | $407,220 (19.1%) | 0.73 | 646 |
| 2022-06-01 | $337,225 (31.6%) | $405,643 (17.0%) | 0.75 | 777 |
| 2022-07-01 | $324,900 (30.0%) | $395,154 (16.2%) | 0.73 | 909 |
| 2022-08-01 | $325,000 (26.5%) | $402,467 (13.9%) | 0.75 | 942 |
| 2022-09-01 | $326,060 (26.9%) | $396,057 (13.1%) | 0.76 | 969 |
| 2022-10-01 | $324,640 (27.3%) | $390,235 (9.6%) | 0.76 | 1,032 |
| 2022-11-01 | $322,450 (24.4%) | $392,033 (10.4%) | 0.78 | 1,076 |
| 2022-12-01 | $317,895 (22.8%) | $389,017 (6.6%) | 0.78 | 1,032 |
| 2023-01-01 | $322,551 (17.3%) | $388,551 (3.6%) | 0.80 | 902 |
| 2023-02-01 | $323,700 (17.7%) | $399,691 (4.9%) | 0.78 | 826 |
| 2023-03-01 | $326,882 (17.2%) | $416,480 (8.7%) | 0.77 | 747 |
| 2023-04-01 | $338,400 (13.2%) | $420,308 (4.3%) | 0.79 | 766 |
| 2023-05-01 | $334,500 (4.7%) | $415,079 (1.9%) | 0.76 | 837 |
| 2023-06-01 | $341,995 (1.4%) | $416,883 (2.8%) | 0.77 | 838 |
| 2023-07-01 | $345,000 (6.2%) | $423,813 (7.3%) | 0.78 | 843 |
| 2023-08-01 | $331,495 (2.0%) | $419,054 (4.1%) | 0.76 | 912 |
| 2023-09-01 | $330,000 (1.2%) | $410,553 (3.7%) | 0.77 | 940 |
| 2023-10-01 | $320,875 (-1.2%) | $396,975 (1.7%) | 0.76 | 1,082 |
| 2023-11-01 | $317,450 (-1.6%) | $386,051 (-1.5%) | 0.76 | 1,130 |
| 2023-12-01 | $308,965 (-2.8%) | $377,177 (-3.0%) | 0.75 | 1,158 |
| 2024-01-01 | $310,968 (-3.6%) | $374,609 (-3.6%) | 0.76 | 1,108 |
| 2024-02-01 | $312,950 (-3.3%) | $373,486 (-6.6%) | 0.75 | 1,058 |
| 2024-03-01 | $318,900 (-2.4%) | $375,722 (-9.8%) | 0.75 | 1,037 |
| 2024-04-01 | $329,548 (-2.6%) | $390,456 (-7.1%) | 0.77 | 1,062 |
| 2024-05-01 | $342,037 (2.3%) | $409,642 (-1.3%) | 0.78 | 1,092 |
| 2024-06-01 | $339,990 (-0.6%) | $416,010 (-0.2%) | 0.77 | 1,180 |
| 2024-07-01 | $337,000 (-2.3%) | $418,050 (-1.4%) | 0.77 | 1,235 |
| 2024-08-01 | $335,000 (1.1%) | $418,109 (-0.2%) | 0.78 | 1,265 |
| 2024-09-01 | $335,123 (1.6%) | $425,340 (3.6%) | 0.79 | 1,359 |
| 2024-10-01 | $337,350 (5.1%) | $421,238 (6.1%) | 0.79 | 1,460 |
| 2024-11-01 | $325,000 (2.4%) | $411,927 (6.7%) | 0.78 | 1,546 |
| 2024-12-01 | $317,500 (2.8%) | $409,279 (8.5%) | 0.79 | 1,465 |
| 2025-01-01 | $320,000 (2.9%) | $405,796 (8.3%) | 0.80 | 1,342 |
| 2025-02-01 | $319,900 (2.2%) | $401,848 (7.6%) | 0.78 | 1,355 |
| 2025-03-01 | $329,900 (3.5%) | $410,675 (9.3%) | 0.78 | 1,381 |
| 2025-04-01 | $336,173 (2.0%) | $418,878 (7.3%) | 0.78 | 1,403 |
| 2025-05-01 | $336,000 (-1.8%) | $419,961 (2.5%) | 0.76 | 1,582 |
| 2025-06-01 | $335,000 (-1.5%) | $420,081 (1.0%) | 0.76 | 1,674 |
Greensboro's median listing price comes in at 76% of the national average.
Greensboro's average listing price for 2025-06-01 was $420,081, a difference of $4,071 (1.0%) versus the prior year and $120 versus the prior month.
For the 2025-06-01 period, Greensboro had 1,674 MLS listings, a difference of 92 listings (6%) versus the prior month and 494 listings (42%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Greensboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 92 days | 2,082 sqft |
| 2018-02-01 | 91 days | 2,090 sqft |
| 2018-03-01 | 66 days | 2,159 sqft |
| 2018-04-01 | 59 days | 2,290 sqft |
| 2018-05-01 | 58 days | 2,302 sqft |
| 2018-06-01 | 57 days | 2,290 sqft |
| 2018-07-01 | 65 days | 2,275 sqft |
| 2018-08-01 | 62 days | 2,240 sqft |
| 2018-09-01 | 64 days | 2,232 sqft |
| 2018-10-01 | 65 days | 2,211 sqft |
| 2018-11-01 | 70 days | 2,192 sqft |
| 2018-12-01 | 77 days | 2,169 sqft |
| 2019-01-01 | 87 days | 2,195 sqft |
| 2019-02-01 | 78 days | 2,222 sqft |
| 2019-03-01 | 66 days | 2,297 sqft |
| 2019-04-01 | 51 days | 2,366 sqft |
| 2019-05-01 | 50 days | 2,390 sqft |
| 2019-06-01 | 53 days | 2,348 sqft |
| 2019-07-01 | 57 days | 2,309 sqft |
| 2019-08-01 | 56 days | 2,272 sqft |
| 2019-09-01 | 56 days | 2,254 sqft |
| 2019-10-01 | 56 days | 2,245 sqft |
| 2019-11-01 | 64 days | 2,246 sqft |
| 2019-12-01 | 74 days | 2,266 sqft |
| 2020-01-01 | 82 days | 2,239 sqft |
| 2020-02-01 | 80 days | 2,231 sqft |
| 2020-03-01 | 49 days | 2,224 sqft |
| 2020-04-01 | 52 days | 2,200 sqft |
| 2020-05-01 | 60 days | 2,319 sqft |
| 2020-06-01 | 53 days | 2,400 sqft |
| 2020-07-01 | 52 days | 2,389 sqft |
| 2020-08-01 | 45 days | 2,312 sqft |
| 2020-09-01 | 42 days | 2,270 sqft |
| 2020-10-01 | 35 days | 2,225 sqft |
| 2020-11-01 | 55 days | 2,147 sqft |
| 2020-12-01 | 66 days | 2,069 sqft |
| 2021-01-01 | 74 days | 2,050 sqft |
| 2021-02-01 | 61 days | 2,011 sqft |
| 2021-03-01 | 43 days | 2,050 sqft |
| 2021-04-01 | 43 days | 1,959 sqft |
| 2021-05-01 | 44 days | 1,900 sqft |
| 2021-06-01 | 42 days | 1,872 sqft |
| 2021-07-01 | 40 days | 1,841 sqft |
| 2021-08-01 | 37 days | 1,836 sqft |
| 2021-09-01 | 38 days | 1,820 sqft |
| 2021-10-01 | 43 days | 1,818 sqft |
| 2021-11-01 | 45 days | 1,843 sqft |
| 2021-12-01 | 48 days | 1,821 sqft |
| 2022-01-01 | 55 days | 1,813 sqft |
| 2022-02-01 | 49 days | 1,875 sqft |
| 2022-03-01 | 38 days | 1,798 sqft |
| 2022-04-01 | 32 days | 1,906 sqft |
| 2022-05-01 | 30 days | 1,987 sqft |
| 2022-06-01 | 30 days | 2,012 sqft |
| 2022-07-01 | 34 days | 1,944 sqft |
| 2022-08-01 | 39 days | 1,956 sqft |
| 2022-09-01 | 43 days | 1,974 sqft |
| 2022-10-01 | 44 days | 2,016 sqft |
| 2022-11-01 | 48 days | 2,034 sqft |
| 2022-12-01 | 59 days | 2,004 sqft |
| 2023-01-01 | 65 days | 1,981 sqft |
| 2023-02-01 | 50 days | 1,923 sqft |
| 2023-03-01 | 50 days | 1,895 sqft |
| 2023-04-01 | 40 days | 1,938 sqft |
| 2023-05-01 | 38 days | 1,873 sqft |
| 2023-06-01 | 43 days | 1,888 sqft |
| 2023-07-01 | 43 days | 1,900 sqft |
| 2023-08-01 | 38 days | 1,861 sqft |
| 2023-09-01 | 39 days | 1,914 sqft |
| 2023-10-01 | 38 days | 1,853 sqft |
| 2023-11-01 | 40 days | 1,791 sqft |
| 2023-12-01 | 46 days | 1,725 sqft |
| 2024-01-01 | 54 days | 1,670 sqft |
| 2024-02-01 | 47 days | 1,752 sqft |
| 2024-03-01 | 45 days | 1,666 sqft |
| 2024-04-01 | 40 days | 1,776 sqft |
| 2024-05-01 | 40 days | 2,014 sqft |
| 2024-06-01 | 41 days | 1,951 sqft |
| 2024-07-01 | 43 days | 1,912 sqft |
| 2024-08-01 | 43 days | 1,894 sqft |
| 2024-09-01 | 44 days | 1,865 sqft |
| 2024-10-01 | 45 days | 1,840 sqft |
| 2024-11-01 | 51 days | 1,834 sqft |
| 2024-12-01 | 59 days | 1,786 sqft |
| 2025-01-01 | 67 days | 1,815 sqft |
| 2025-02-01 | 58 days | 1,705 sqft |
| 2025-03-01 | 49 days | 1,824 sqft |
| 2025-04-01 | 46 days | 1,887 sqft |
| 2025-05-01 | 44 days | 1,868 sqft |
| 2025-06-01 | 46 days | 1,863 sqft |
Greensboro's median square footage for active listings during the 2025-06-01 period was 1,863 sqft. One year prior, the average listing was 1,951 sqft.