Jacksonville VA Loans

JACKSONVILLE, 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 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.

    Jacksonville's 189 lenders originated 7,203 VA loans during 2021. The total origination value was $1,550,105,000, with an average VA loan value of $215,203.

    Jacksonville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Jacksonville averaged 5.22% for the week of 2022-05-13, compared to the national average (all VA variants) of 5.158% for the same period.

    The average rate for the prior week (2022-05-06) was 5.45% and one month ago for the week of 2022-04-08, the average rate was 5.08%.

    The average rate one year ago was 2.99%.

    For refis of the same type during the week of 2022-05-13, the average rate was 5.12%.

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

    Jacksonville VA Loan Lenders by Rates & Fees

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

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    FREEDOM MORTGAGE CORPORATION 649 2.59% $3,885
    Mortgage Research Center, LLC 638 2.89% $6,325
    MOVEMENT MORTGAGE, LLC 606 2.95% $5,328
    NAVY FEDERAL CREDIT UNION 597 2.50% $4,944
    Alpha Mortgage Corporation 400 3.25% $6,083
    GUARANTEED RATE, INC. 361 2.79% $5,959
    RESIDENTIAL MORTGAGE SERVICES, INC. 322 2.73% $5,715
    QUICKEN LOANS, LLC 268 2.49% $4,379
    PENNYMAC LOAN SERVICES, LLC 244 2.43% $4,962
    CALIBER HOME LOANS, INC. 169 2.62% $5,164
    UNION HOME MORTGAGE CORP. 145 2.82% $6,010
    VILLAGE CAPITAL & INVESTMENT LLC 132 2.42% $3,425
    USAA Federal Savings Bank 109 2.88% $5,661
    LAKEVIEW LOAN SERVICING, LLC 89 2.60% $2,205
    Wells Fargo Bank 86 2.51% $3,701
    NEW DAY FINANCIAL, LLC 68 2.90% $5,429
    Mr. Cooper ( Nationstar Mortgage ) 68 3.01% $3,457
    PLAZA HOME MORTGAGE, INC. 65 2.64% $6,245
    UNITED WHOLESALE MORTGAGE, LLC 64 2.63% $5,965
    LOANDEPOT.COM, LLC 60 2.52% $5,115
    Carrington Mortgage Services, LLC 58 3.10% $3,562
    HOME POINT FINANCIAL CORPORATION 54 2.58% $5,546
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 54 2.95% $7,105
    SeaTrust Mortgage Company 52 2.82% $5,937
    CLEARPATH LENDING 52 2.38% $3,742
    GUILD MORTGAGE COMPANY 49 3.07% $6,162
    ANGEL OAK HOME LOANS LLC 45 2.68% $5,366
    American Security Mortgage Corp. 44 2.67% $5,820
    The Federal Savings Bank 42 2.65% $5,865
    INTERCOASTAL MORTGAGE COMPANY 41 2.82% $6,292
    CROSSCOUNTRY MORTGAGE, LLC 40 3.13% $7,376
    NEWREZ LLC 36 2.70% $3,424
    AMERICAN FINANCIAL NETWORK, INC. 30 2.52% $7,022
    SUN WEST MORTGAGE COMPANY, INC. 29 2.41% $3,683
    InterContinental Capital Group, Inc 24 2.35% $3,018
    Low VA Rates, LLC 24 2.55% $3,863
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 24 2.95% $6,495
    Mid-Continent Funding, Inc. 20 2.88% $6,020
    First Guaranty Mortgage Corporation 19 2.51% $4,055
    ACCELERATE MORTGAGE, LLC 18 2.25% $4,868
    Barrington Bank & Trust Company, N.A. 17 2.65% $3,309
    PENTAGON FEDERAL CREDIT UNION 16 2.38% $2,731
    MUTUAL OF OMAHA MORTGAGE, INC. 16 2.80% $6,699
    Lakeview Community Capital, LLC 14 2.63% $1,968
    CORNERSTONE HOME LENDING, INC. 14 2.93% $9,227
    HOMEBRIDGE FINANCIAL SERVICES, INC. 14 2.80% $7,777
    Towne Bank 14 2.72% $5,512
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 14 2.82% $5,908
    EQUITY RESOURCES, INC. 13 2.74% $5,025
    Gateway First Bank 13 3.08% $3,810
    NP, Inc. 12 2.45% $4,009
    BROKER SOLUTIONS, INC. 12 2.73% $7,694
    DHI MORTGAGE COMPANY, LTD. 11 2.70% $9,511
    AMERISAVE MORTGAGE CORPORATION 11 2.72% $4,055
    North American Savings Bank, F.S.B. 11 2.43% $2,894
    U.S. Bank 9 2.64% $3,326
    RESOURCE FINANCIAL SERVICES, INC. 8 2.61% $5,612
    AmeriHome Mortgage Company, LLC 7 3.02% $2,163
    NBKC BANK 7 2.71% $8,927
    CMG MORTGAGE, INC. 7 3.09% $4,835
    Nations Lending Corporation 7 2.84% $7,449
    Magnolia Bank 7 2.59% $6,027
    SOUTHERN TRUST MORTGAGE, LLC 6 2.67% $8,787
    ON Q FINANCIAL, INC. 6 2.71% $5,341
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 2.73% $4,384
    PLANET HOME LENDING, LLC 6 2.60% $4,848
    CHURCHILL MORTGAGE CORPORATION 6 2.44% $5,213
    Ameris Bank 5 2.50% $5,612
    Equity Prime Mortgage LLC 5 3.23% $4,600
    HOMESIDE FINANCIAL, LLC 5 2.55% $2,882
    SOVEREIGN LENDING GROUP INCORPORATED 5 2.93% $5,863
    Blue Ridge Bank 5 2.90% $8,986
    KELLER MORTGAGE, LLC 5 2.93% $8,222
    MORTGAGE SOLUTIONS OF COLORADO, LLC 5 4.23% $3,415
    Truist Bank 4 2.71% $2,539
    Renasant Bank 4 2.53% $7,332
    First Federal Bank 4 3.81% $4,485
    Atlantic Coast Mortgage, LLC 4 2.91% $6,143
    BNC National Bank 4 2.38% $2,146
    LENDUS, LLC 4 2.38% $4,621
    TJC Mortgage, Inc. 3 2.08% $6,257
    V.I.P. MORTGAGE, INC. 3 2.92% $3,449
    EMBRACE HOME LOANS, INC. 3 2.46% $5,860
    Bank of England 3 2.63% $9,712
    STEARNS LENDING, LLC 3 2.42% $6,326
    LEADERONE FINANCIAL CORPORATION 3 2.50% $5,598
    Ixonia Bank 3 2.71% $2,617
    JET DIRECT FUNDING CORP 3 2.67% $11,026
    FINANCE OF AMERICA MORTGAGE LLC 3 2.96% $10,403
    Credence Funding Corporation 3 2.17% $3,329
    LOANPAL, LLC 3 3.25% $5,131
    UNITED SECURITY FINANCIAL CORP 3 1.92% $3,397
    Alcova Mortgage LLC 3 2.71% $4,994
    CAPITAL CENTER, L.L.C. 3 2.50% $2,393
    AMERICAN FINANCING CORPORATION 3 2.33% $4,013
    PNC Bank 3 2.88% $2,557
    Flagstar Bank, FSB 3 2.77% $2,870
    CONTOUR MORTGAGE CORPORATION 3 2.25% $6,534
    George Mason Mortgage, LLC 3 2.66% $6,990
    ROYAL UNITED MORTGAGE LLC 2 2.75% $7,522
    RAPID MORTGAGE COMPANY 2 3.75% $8,559
    Corporate Investors Mortgage Group, Inc. 2 2.63% $4,350
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.25% $4,077
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 2.75% $4,159
    Presidential Bank, FSB 2 2.25% $2,207
    NFM, INC. 2 3.25% $4,480
    PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.81% $13,911
    BELEM SERVICING LLC 2 2.81% $5,145
    HOMESTAR FINANCIAL CORPORATION 2 3.19% $6,998
    Austin Capital Bank SSB 2 2.94% $5,379
    First Heritage Mortgage, LLC 2 2.81% $6,245
    Wyndham Capital Mortgage, Inc. 2 3.25% $5,717
    JET HOMELOANS, LLC 2 3.50% $7,771
    KS StateBank 2 2.44% $2,257
    First Bank 2 2.50% $6,389
    Northpointe Bank 2 3.13% $2,405
    Capital Bank 2 2.25% $1,696
    North State Bank 2 2.38% $4,833
    Towne Mortgage, LLC 2 2.50% $16,113
    Meridian Bank Corporation 2 2.50% $6,140
    SUMMIT FUNDING, INC. 2 2.81% $6,423
    DIRECT MORTGAGE LOANS, LLC 2 2.50% $4,036
    CityWorth Mortgage LLC 2 2.63% $7,880
    SOUTHWEST STAGE FUNDING, LLC 2 2.81% $8,575
    DAS Acquisition Company, LLC 2 4.00% $9,572
    ZILLOW HOME LOANS, LLC 1 3.13% $5,432
    AMERICAN FINANCIAL RESOURCES, INC. 1 2.88% $4,323
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 2.75% $10,000
    APEX HOME LOANS, INC. 1 3.13% $8,208
    ARC HOME LLC 1 2.38% $6,956
    Armed Forces Bank 1 2.25% $2,454
    Assurance Financial Group, L.L.C. 1 2.63% $3,135
    BAY CAPITAL MORTGAGE CORPORATION 1 2.25% $5,302
    CANOPY MORTGAGE, LLC 1 2.75% $3,543
    CERTAINTY HOME LOANS, LLC 1 2.88% $10,800
    Citizens Bank 1 2.63% $2,702
    Colonial Savings, F.A. 1 3.13% $1,397
    Community First National Bank 1 2.50% $6,481
    Core Bank 1 2.75% $8,901
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 3.25% $5,181
    Evolve Bank & Trust 1 2.88% $7,849
    Fifth Third Bank 1 2.75% $2,693
    First Federal Bank of Kansas City 1 2.25% $2,359
    First Home Bank 1 2.75% $1,572
    First Mortgage Solutions, LLC 1 2.25% $907
    First National Bank of Pennsylvania 1 2.63% $8,541
    First Reliance Bank 1 2.63% $4,330
    First Savings Bank 1 3.25% $8,807
    FIRST SAVINGS MORTGAGE CORPORATION 1 2.38% $3,754
    First Western Trust Bank 1 2.63% $1,999
    GENEVA FINANCIAL, LLC 1 3.25% $3,057
    Goldwater Bank, N.A. 1 3.00% $11,366
    GoPrime Mortgage, Inc. 1 2.50% $1,857
    HOMESTEAD FUNDING CORP. 1 2.25% $934
    INTERCAP LENDING INC. 1 2.25% $3,155
    LIBERTY HOME MORTGAGE CORPORATION 1 2.63% $5,642
    Manufacturers and Traders Trust Company 1 2.88% $5,650
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 2.88% $9,562
    MICHIGAN MUTUAL, INC. 1 3.38% $2,100
    MID AMERICA MORTGAGE, INC. 1 2.75% $1,887
    MLD MORTGAGE INC. 1 2.25% $3,354
    MORTGAGE FINANCIAL GROUP, INC. 1 3.13% $7,653
    Mortgage Network, Inc. 1 2.25% $5,528
    Pacor Mortgage Corp 1 2.25% $2,699
    Paramount Bank 1 2.25% $13,212
    Paramount Residential Mortgage Group, Inc. 1 2.25% $5,115
    PHH Mortgage Corporation 1 3.63% $964
    Plains Commerce Bank 1 2.25% $3,175
    PLUS RELOCATION MORTGAGE, LLC 1 3.25% $2,811
    Prime Choice Funding Inc. 1 2.25% $2,576
    Prosperity Home Mortgage, LLC 1 3.25% $3,008
    RELIANCE FIRST CAPITAL, LLC 1 3.50% $8,663
    ROSS MORTGAGE CORPORATION 1 3.50% $5,371
    Sandy Spring Bank 1 2.38% $3,375
    South State Bank 1 2.25% $13,225
    Strong Home Mortgage, LLC 1 3.00% $9,320
    SUCCESS MORTGAGE PARTNERS, INC. 1 3.88% $2,954
    T2 FINANCIAL LLC 1 3.00% $3,654
    THE MORTGAGE FIRM, INC. 1 2.99% $9,542
    THRIVE MORTGAGE, LLC 1 2.75% $1,120
    Tidewater Home Funding, LLC 1 2.75% $2,621
    TIDEWATER MORTGAGE SERVICES, INC. 1 2.88% $3,195
    US MORTGAGE CORPORATION 1 2.88% $4,371
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.75% $2,026
    VAN DYK MORTGAGE CORPORATION 1 3.13% $17,695
    Victorian Finance, LLC 1 3.75% $1,410
    WESTERN EXPRESS LENDING 1 2.75% $1,842
    Willamette Valley Bank 1 2.75% $5,570
    ACADEMY MORTGAGE CORPORATION 1 2.75% $10,420

    The top Jacksonville VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 649 VA loans originated. Their average total fees are $3,885, which is $2,440 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Jacksonville VA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($1,968), LAKEVIEW LOAN SERVICING, LLC ($2,205), PENTAGON FEDERAL CREDIT UNION ($2,731), North American Savings Bank, F.S.B. ($2,894) and InterContinental Capital Group, Inc ($3,018).

    The lowest rate Jacksonville VA lenders (with over 10 loans originated) are ACCELERATE MORTGAGE, LLC (2.25%), InterContinental Capital Group, Inc (2.35%), PENTAGON FEDERAL CREDIT UNION (2.38%), CLEARPATH LENDING (2.38%) and SUN WEST MORTGAGE COMPANY, INC. (2.41%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Jacksonville (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 $190,500 (14.5%) $247,309 (18.4%) 0.70 1,329
    2018-02-01 $189,000 (11.2%) $242,107 (13.9%) 0.68 1,377
    2018-03-01 $189,950 (8.6%) $247,048 (14.0%) 0.66 1,443
    2018-04-01 $193,700 (10.1%) $256,499 (14.3%) 0.65 1,425
    2018-05-01 $196,500 (12.3%) $258,193 (16.2%) 0.66 1,422
    2018-06-01 $196,900 (9.6%) $259,776 (13.0%) 0.66 1,416
    2018-07-01 $195,450 (8.0%) $260,382 (9.2%) 0.65 1,425
    2018-08-01 $196,000 (5.6%) $260,710 (7.4%) 0.66 1,417
    2018-09-01 $195,900 (3.2%) $258,451 (4.9%) 0.66 1,398
    2018-10-01 $198,200 (4.4%) $262,647 (6.7%) 0.66 1,059
    2018-11-01 $201,500 (6.1%) $267,723 (8.7%) 0.68 976
    2018-12-01 $202,900 (6.8%) $271,901 (10.4%) 0.69 891
    2019-01-01 $211,400 (11.0%) $281,217 (13.7%) 0.73 802
    2019-02-01 $216,950 (14.8%) $291,373 (20.4%) 0.73 762
    2019-03-01 $218,229 (14.9%) $295,243 (19.5%) 0.71 742
    2019-04-01 $215,450 (11.2%) $282,574 (10.2%) 0.68 823
    2019-05-01 $218,700 (11.3%) $286,780 (11.1%) 0.67 1,021
    2019-06-01 $217,790 (10.6%) $280,763 (8.1%) 0.67 1,148
    2019-07-01 $216,200 (10.6%) $279,717 (7.4%) 0.67 1,238
    2019-08-01 $214,043 (9.2%) $279,177 (7.1%) 0.67 1,298
    2019-09-01 $212,200 (8.3%) $283,639 (9.8%) 0.67 1,301
    2019-10-01 $212,450 (7.2%) $289,453 (10.2%) 0.68 1,406
    2019-11-01 $212,000 (5.2%) $291,071 (8.7%) 0.68 1,428
    2019-12-01 $214,200 (5.6%) $296,179 (8.9%) 0.71 1,349
    2020-01-01 $215,450 (1.9%) $301,069 (7.1%) 0.72 1,267
    2020-02-01 $215,500 (-0.7%) $303,502 (4.2%) 0.70 1,247
    2020-03-01 $220,000 (0.8%) $309,962 (5.0%) 0.69 1,226
    2020-04-01 $221,053 (2.6%) $313,610 (11.0%) 0.69 1,201
    2020-05-01 $228,900 (4.7%) $326,621 (13.9%) 0.69 1,026
    2020-06-01 $229,900 (5.6%) $330,633 (17.8%) 0.67 859
    2020-07-01 $228,575 (5.7%) $330,229 (18.1%) 0.65 800
    2020-08-01 $234,900 (9.7%) $337,323 (20.8%) 0.67 692
    2020-09-01 $237,900 (12.1%) $350,202 (23.5%) 0.68 611
    2020-10-01 $235,900 (11.0%) $347,656 (20.1%) 0.67 569
    2020-11-01 $238,700 (12.6%) $348,797 (19.8%) 0.68 550
    2020-12-01 $243,900 (13.9%) $359,260 (21.3%) 0.72 464
    2021-01-01 $246,425 (14.4%) $374,037 (24.2%) 0.73 377
    2021-02-01 $248,125 (15.1%) $379,905 (25.2%) 0.71 301
    2021-03-01 $243,663 (10.8%) $362,762 (17.0%) 0.68 287
    2021-04-01 $237,450 (7.4%) $354,443 (13.0%) 0.64 271
    2021-05-01 $238,350 (4.1%) $373,164 (14.3%) 0.63 292
    2021-06-01 $238,000 (3.5%) $375,542 (13.6%) 0.62 322
    2021-07-01 $237,500 (3.9%) $380,665 (15.3%) 0.62 347
    2021-08-01 $239,950 (2.2%) $382,459 (13.4%) 0.63 360
    2021-09-01 $244,250 (2.7%) $390,768 (11.6%) 0.64 342
    2021-10-01 $240,000 (1.7%) $381,925 (9.9%) 0.63 364
    2021-11-01 $267,450 (12.0%) $396,434 (13.7%) 0.70 371
    2021-12-01 $271,950 (11.5%) $401,835 (11.9%) 0.73 367
    2022-01-01 $284,000 (15.3%) $426,994 (14.2%) 0.76 284
    2022-02-01 $280,200 (12.9%) $413,395 (8.8%) 0.71 236
    2022-03-01 $268,500 (10.2%) $406,272 (12.0%) 0.66 234
    2022-04-01 $285,000 (20.0%) $429,112 (21.1%) 0.67 261
    Jacksonville's median listing price for 2022-04-01 was $285,000, a difference of $47,550 (20.0%) versus the prior year and $16,500 versus the prior month.

    Jacksonville's median listing price comes in at 67% of the national average.

    Jacksonville's average listing price for 2022-04-01 was $429,112, a difference of $74,669 (21.1%) versus the prior year and $22,840 versus the prior month.

    For the 2022-04-01 period, Jacksonville had 261 MLS listings, a difference of 27 listings (12%) versus the prior month and -10 listings (-4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 111 days 1,723 sqft
    2018-02-01 99 days 1,712 sqft
    2018-03-01 73 days 1,734 sqft
    2018-04-01 71 days 1,753 sqft
    2018-05-01 69 days 1,758 sqft
    2018-06-01 74 days 1,756 sqft
    2018-07-01 78 days 1,754 sqft
    2018-08-01 79 days 1,757 sqft
    2018-09-01 86 days 1,756 sqft
    2018-10-01 112 days 1,755 sqft
    2018-11-01 115 days 1,760 sqft
    2018-12-01 120 days 1,756 sqft
    2019-01-01 132 days 1,802 sqft
    2019-02-01 98 days 1,843 sqft
    2019-03-01 59 days 1,873 sqft
    2019-04-01 42 days 1,856 sqft
    2019-05-01 41 days 1,828 sqft
    2019-06-01 52 days 1,814 sqft
    2019-07-01 58 days 1,808 sqft
    2019-08-01 58 days 1,795 sqft
    2019-09-01 71 days 1,774 sqft
    2019-10-01 73 days 1,759 sqft
    2019-11-01 72 days 1,756 sqft
    2019-12-01 80 days 1,758 sqft
    2020-01-01 92 days 1,763 sqft
    2020-02-01 91 days 1,726 sqft
    2020-03-01 75 days 1,708 sqft
    2020-04-01 75 days 1,711 sqft
    2020-05-01 84 days 1,762 sqft
    2020-06-01 80 days 1,799 sqft
    2020-07-01 59 days 1,790 sqft
    2020-08-01 57 days 1,814 sqft
    2020-09-01 58 days 1,803 sqft
    2020-10-01 53 days 1,813 sqft
    2020-11-01 58 days 1,809 sqft
    2020-12-01 58 days 1,800 sqft
    2021-01-01 63 days 1,837 sqft
    2021-02-01 59 days 1,783 sqft
    2021-03-01 42 days 1,736 sqft
    2021-04-01 40 days 1,740 sqft
    2021-05-01 41 days 1,722 sqft
    2021-06-01 42 days 1,695 sqft
    2021-07-01 43 days 1,655 sqft
    2021-08-01 43 days 1,631 sqft
    2021-09-01 43 days 1,680 sqft
    2021-10-01 43 days 1,623 sqft
    2021-11-01 42 days 1,733 sqft
    2021-12-01 45 days 1,752 sqft
    2022-01-01 55 days 1,732 sqft
    2022-02-01 49 days 1,721 sqft
    2022-03-01 35 days 1,641 sqft
    2022-04-01 35 days 1,680 sqft
    Jacksonville's median listing age (time on market) for 2022-04-01 was 35 days. This is -13% shorter than the same period one year ago.

    Jacksonville's median square footage for active listings during the 2022-04-01 period was 1,680 sqft. One year prior, the average listing was 1,740 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.