Pinehurst VA Loan Rates, Closing Costs & Stats

Pinehurst-Southern Pines, 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.

Pinehurst's 100 lenders originated 1,126 VA loans during 2024. The total origination value was $500,110,000, with an average VA loan value of $444,147.

Pinehurst VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Pinehurst averaged 6.25% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Pinehurst's average VA mortgage closing costs are $7,768.

The average rate for the prior week (2025-03-28) was 6.47% and one month ago for the week of 2025-02-28, the average rate was 6.44%.

The average rate one year ago was 6.45%.

For refis of the same type during the week of 2025-04-04, the average rate was 5.91%.

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

Pinehurst 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 Pinehurst level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
NFM, INC. 133 6.09% $12,736
GoPrime Mortgage, Inc. 91 6.08% $9,575
UNITED WHOLESALE MORTGAGE, LLC 81 5.84% $9,673
MOVEMENT MORTGAGE, LLC 71 6.27% $11,118
DHI MORTGAGE COMPANY, LTD. 65 4.93% $10,538
PENNYMAC LOAN SERVICES, LLC 56 5.64% $10,801
Mortgage Research Center, LLC 44 6.36% $11,178
NAVY FEDERAL CREDIT UNION 42 5.86% $7,536
FREEDOM MORTGAGE CORPORATION 41 6.07% $11,075
QUICKEN LOANS, LLC 29 5.97% $12,629
USAA Federal Savings Bank 27 6.26% $13,043
CROSSCOUNTRY MORTGAGE, LLC 26 6.19% $14,016
Prosperity Home Mortgage, LLC 24 6.00% $12,223
CMG MORTGAGE, INC. 23 5.88% $13,852
VILLAGE CAPITAL MORTGAGE 21 5.67% $7,820
UNION HOME MORTGAGE CORP. 20 6.19% $10,724
Alcova Mortgage LLC 15 6.12% $10,707
American Security Mortgage Corp. 11 6.24% $12,472
NEWREZ LLC 10 5.82% $9,316
BROKER SOLUTIONS, INC. 10 6.36% $12,954
ACOPIA, LLC 9 6.39% $16,084
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 6.35% $11,507
GUILD MORTGAGE COMPANY 8 6.11% $10,828
NEW DAY FINANCIAL, LLC 7 7.39% $14,905
LOANDEPOT.COM, LLC 7 5.80% $21,045
Mr. Cooper ( Nationstar Mortgage ) 6 6.08% $17,621
GUARANTEED RATE, INC. 6 6.07% $9,302
RESIDENTIAL WHOLESALE MORTGAGE, INC. 5 6.02% $11,676
SOUTHERN TRUST MORTGAGE, LLC 5 6.23% $11,167
First Federal Bank 5 5.78% $9,656
INTERCOASTAL MORTGAGE COMPANY 4 6.06% $4,189
ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.56% $11,690
LAKEVIEW LOAN SERVICING, LLC 4 5.63% $5,457
JET HOMELOANS, LLC 4 5.99% $12,818
CORNERSTONE HOME LENDING, INC. 4 6.22% $11,860
MUTUAL OF OMAHA MORTGAGE, INC. 3 6.38% $9,910
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 6.33% $7,485
Carrington Mortgage Services, LLC 3 6.50% $17,772
Encompass Lending Group, LP 3 6.21% $20,419
NBKC BANK 3 5.67% $9,152
NETWORK CAPITAL FUNDING CORPORATION 3 5.96% $14,640
PHH Mortgage Corporation 3 5.63% $7,453
Plains Commerce Bank 3 6.33% $22,067
PLANET HOME LENDING, LLC 3 3.50% $6,719
U.S. Bank 3 6.08% $9,924
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 8.00% $855
First National Bank of Pennsylvania 2 6.44% $2,689
CANOPY MORTGAGE, LLC 2 6.00% $13,980
PENTAGON FEDERAL CREDIT UNION 2 5.75% $1,647
EQUITY RESOURCES, INC. 2 7.25% $5,634
CREDIT UNION MORTGAGE ASSOCIATION, INC. 2 5.94% $9,976
Magnolia Bank 2 5.38% $13,829
Mid-Continent Funding, Inc. 2 5.63% $4,225
FIRST HOME MORTGAGE CORPORATION 2 6.50% $8,436
Presidential Bank, FSB 2 6.38% $14,979
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.37% $10,508
First-Citizens Bank & Trust Company 2 5.69% $4,832
Armed Forces Bank 2 5.81% $9,526
HOMESTEAD FUNDING CORP. 2 6.00% $14,088
Century Mortgage Company DBA Century Lending Company 2 6.00% $20,190
CARDINAL FINANCIAL 2 6.88% $17,361
Wells Fargo Bank 1 5.75% $7,457
VERITAS FUNDING, LLC 1 6.25% $21,265
ALLIANT CREDIT UNION 1 5.75% $8,760
PLAZA HOME MORTGAGE, INC. 1 5.49% $22,122
POLARIS HOME FUNDING CORP. 1 6.75% $16,957
Bank of England 1 6.25% $6,396
AMERISAVE MORTGAGE CORPORATION 1 6.25% $13,920
Sandy Spring Bank 1 5.75% $5,052
SeaTrust Mortgage Company 1 6.00% $3,952
AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.75% $25,313
The Central Trust Bank 1 6.63% $3,860
The Fidelity Bank 1 6.25% $10,488
Towne Bank 1 6.75% $4,521
TOWNE MORTGAGE COMPANY 1 6.13% $8,538
Towne Mortgage, LLC 1 6.25% $18,146
Truist 1 6.75% $9,188
American Mortgage & Equity Consultants, Inc. 1 6.13% $16,904
UNITED MORTGAGE CORP 1 6.25% $30,786
Flagstar Bank, FSB 1 6.70% $9,017
HOMESIDE FINANCIAL, LLC 1 6.50% $23,640
HOMESPIRE MORTGAGE CORPORATION 1 6.75% $10,876
HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.13% $32,857
FIRST SAVINGS MORTGAGE CORPORATION 1 6.63% $10,448
Integrity Home Mortgage Corp 1 6.75% $800
INTERSTATE HOME LOAN CENTER, INC. 1 6.13% $4,181
JAMS-01, INC. 1 6.13% $14,289
JMAC LENDING, INC. 1 7.00% $15,800
Lakeview Community Capital, LLC 1 6.25% $3,392
Legends Bank 1 5.38% $16,383
LIBERTY HOME MORTGAGE CORPORATION 1 7.13% $24,081
FIRST COMMUNITY MORTGAGE, INC. 1 6.50% $15,662
MORTGAGEONE, INC. 1 5.50% $4,863
First Bank 1 6.12% $2,981
Credence Funding Corporation 1 5.50% $12,632
AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $16,957
AMERICAN FINANCIAL NETWORK, INC. 1 5.88% $18,753
CHURCHILL MORTGAGE CORPORATION 1 6.13% $5,979
NORWICH COMMERCIAL GROUP, INC. 1 5.63% $3,128
Paramount Residential Mortgage Group, Inc. 1 6.13% $13,148

The top Pinehurst VA lender as defined by loan originations is NFM, INC., with 133 VA loans originated. Their average total fees are $12,736, which is $3,161 higher than the next largest lender, GoPrime Mortgage, Inc..

The lowest fee Pinehurst VA lenders (with over 10 loans originated) are NAVY FEDERAL CREDIT UNION ($7,536), VILLAGE CAPITAL MORTGAGE ($7,820), NEWREZ LLC ($9,316), GoPrime Mortgage, Inc. ($9,575) and UNITED WHOLESALE MORTGAGE, LLC ($9,673).

The lowest rate Pinehurst VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.93%), PENNYMAC LOAN SERVICES, LLC (5.64%), VILLAGE CAPITAL MORTGAGE (5.67%), NEWREZ LLC (5.82%) and UNITED WHOLESALE MORTGAGE, LLC (5.84%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Pinehurst (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 $299,900 (1.3%) $379,508 (4.2%) 0.00 837
2018-02-01 $301,137 (2.5%) $384,663 (4.8%) 0.00 832
2018-03-01 $309,950 (3.8%) $389,808 (6.1%) 0.00 843
2018-04-01 $308,719 (3.1%) $391,013 (6.4%) 0.00 872
2018-05-01 $300,000 (0.0%) $387,286 (4.9%) 0.00 899
2018-06-01 $300,000 (0.3%) $391,773 (6.8%) 0.00 884
2018-07-01 $307,541 (2.9%) $393,962 (7.6%) 0.00 830
2018-08-01 $305,500 (1.9%) $391,360 (6.2%) 0.00 821
2018-09-01 $306,815 (2.3%) $386,721 (3.8%) 0.00 808
2018-10-01 $309,168 (3.1%) $387,944 (5.0%) 0.00 785
2018-11-01 $306,816 (2.3%) $385,798 (2.4%) 0.00 769
2018-12-01 $304,950 (1.7%) $386,789 (2.3%) 0.00 761
2019-01-01 $307,000 (2.4%) $390,857 (3.0%) 0.00 716
2019-02-01 $312,500 (3.8%) $396,296 (3.0%) 0.00 738
2019-03-01 $318,416 (2.7%) $412,745 (5.9%) 0.00 717
2019-04-01 $323,985 (5.0%) $427,859 (9.4%) 0.00 713
2019-05-01 $336,250 (12.1%) $431,560 (11.4%) 0.00 713
2019-06-01 $333,860 (11.3%) $424,199 (8.3%) 0.00 715
2019-07-01 $334,360 (8.7%) $428,895 (8.9%) 0.00 679
2019-08-01 $332,678 (8.9%) $428,178 (9.4%) 0.00 675
2019-09-01 $331,115 (7.9%) $426,861 (10.4%) 0.00 671
2019-10-01 $329,950 (6.7%) $426,222 (9.9%) 0.00 667
2019-11-01 $329,900 (7.5%) $432,634 (12.1%) 0.00 624
2019-12-01 $331,865 (8.8%) $440,093 (13.8%) 0.00 588
2020-01-01 $333,595 (8.7%) $436,811 (11.8%) 0.00 561
2020-02-01 $339,205 (8.6%) $429,585 (8.4%) 0.00 549
2020-03-01 $339,450 (6.6%) $427,843 (3.7%) 0.00 576
2020-04-01 $337,179 (4.1%) $414,272 (-3.2%) 0.00 589
2020-05-01 $339,450 (1.0%) $417,576 (-3.2%) 0.00 528
2020-06-01 $335,750 (0.6%) $424,670 (0.1%) 0.00 468
2020-07-01 $329,988 (-1.3%) $424,742 (-1.0%) 0.00 415
2020-08-01 $330,227 (-0.7%) $438,969 (2.5%) 0.00 396
2020-09-01 $345,000 (4.2%) $443,850 (4.0%) 0.00 367
2020-10-01 $345,000 (4.6%) $445,906 (4.6%) 0.00 325
2020-11-01 $351,975 (6.7%) $443,318 (2.5%) 0.00 300
2020-12-01 $349,750 (5.4%) $460,333 (4.6%) 0.00 274
2021-01-01 $363,908 (9.1%) $493,969 (13.1%) 0.00 207
2021-02-01 $365,893 (7.9%) $498,532 (16.1%) 0.00 174
2021-03-01 $357,725 (5.4%) $480,352 (12.3%) 0.00 236
2021-04-01 $365,168 (8.3%) $479,576 (15.8%) 0.00 270
2021-05-01 $365,000 (7.5%) $527,880 (26.4%) 0.00 139
2021-06-01 $372,475 (10.9%) $504,552 (18.8%) 0.00 152
2021-07-01 $377,000 (14.3%) $529,372 (24.6%) 0.00 155
2021-08-01 $385,326 (16.7%) $510,383 (16.3%) 0.00 181
2021-09-01 $385,750 (11.8%) $487,256 (9.8%) 0.00 180
2021-10-01 $390,000 (13.0%) $517,441 (16.0%) 0.00 188
2021-11-01 $399,250 (13.4%) $591,508 (33.4%) 0.00 192
2021-12-01 $399,000 (14.1%) $587,025 (27.5%) 0.00 156
2022-01-01 $399,000 (9.6%) $605,545 (22.6%) 0.00 144
2022-02-01 $428,313 (17.1%) $653,836 (31.2%) 0.00 100
2022-03-01 $464,000 (29.7%) $621,767 (29.4%) 0.00 104
2022-04-01 $452,500 (23.9%) $615,133 (28.3%) 0.00 134
2022-05-01 $449,925 (23.3%) $569,222 (7.8%) 0.00 178
2022-06-01 $449,900 (20.8%) $611,462 (21.2%) 0.00 225
2022-07-01 $456,400 (21.1%) $611,517 (15.5%) 0.00 254
2022-08-01 $449,900 (16.8%) $594,073 (16.4%) 0.00 285
2022-09-01 $460,950 (19.5%) $587,930 (20.7%) 0.00 315
2022-10-01 $465,000 (19.2%) $593,261 (14.7%) 0.00 343
2022-11-01 $452,500 (13.3%) $580,015 (-1.9%) 0.00 355
2022-12-01 $451,000 (13.0%) $571,006 (-2.7%) 0.00 341
2023-01-01 $451,035 (13.0%) $559,992 (-7.5%) 0.00 305
2023-02-01 $451,855 (5.5%) $559,178 (-14.5%) 0.00 259
2023-03-01 $464,950 (0.2%) $551,727 (-11.3%) 0.00 239
2023-04-01 $480,000 (6.1%) $573,825 (-6.7%) 0.00 230
2023-05-01 $487,125 (8.3%) $571,268 (0.4%) 0.00 249
2023-06-01 $479,975 (6.7%) $570,128 (-6.8%) 0.00 289
2023-07-01 $480,000 (5.2%) $588,826 (-3.7%) 0.00 308
2023-08-01 $484,400 (7.7%) $596,247 (0.4%) 0.00 323
2023-09-01 $471,400 (2.3%) $583,795 (-0.7%) 0.00 364
2023-10-01 $452,044 (-2.8%) $557,853 (-6.0%) 0.00 386
2023-11-01 $460,250 (1.7%) $579,113 (-0.2%) 0.00 406
2023-12-01 $459,950 (2.0%) $585,395 (2.5%) 0.00 412
2024-01-01 $466,175 (3.4%) $581,288 (3.8%) 0.00 392
2024-02-01 $462,000 (2.3%) $595,612 (6.5%) 0.00 358
2024-03-01 $455,000 (-2.1%) $601,013 (8.9%) 0.00 358
2024-04-01 $463,500 (-3.4%) $608,035 (6.0%) 0.00 395
2024-05-01 $475,000 (-2.5%) $633,108 (10.8%) 0.00 436
2024-06-01 $479,900 (0.0%) $640,836 (12.4%) 0.00 505
2024-07-01 $475,000 (-1.0%) $620,207 (5.3%) 0.00 505
2024-08-01 $461,450 (-4.7%) $595,946 (-0.1%) 0.00 547
2024-09-01 $455,000 (-3.5%) $609,380 (4.4%) 0.00 553
2024-10-01 $451,250 (-0.2%) $600,005 (7.6%) 0.00 549
2024-11-01 $454,990 (-1.1%) $596,744 (3.0%) 0.00 546
2024-12-01 $449,900 (-2.2%) $588,451 (0.5%) 0.00 500
2025-01-01 $456,225 (-2.1%) $596,389 (2.6%) 0.00 506
2025-02-01 $454,208 (-1.7%) $592,123 (-0.6%) 0.00 494
2025-03-01 $469,999 (3.3%) $583,662 (-2.9%) 0.00 505
Pinehurst's median listing price for 2025-03-01 was $469,999, a difference of $14,999 (3.3%) versus the prior year and $15,791 versus the prior month.

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

Pinehurst's average listing price for 2025-03-01 was $583,662, a difference of $-17,351 (-2.9%) versus the prior year and $-8,461 versus the prior month.

For the 2025-03-01 period, Pinehurst had 505 MLS listings, a difference of 11 listings (2%) versus the prior month and 147 listings (41%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Pinehurst (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,500 sqft
2018-02-01 0 days 2,500 sqft
2018-03-01 0 days 2,500 sqft
2018-04-01 0 days 2,500 sqft
2018-05-01 0 days 2,500 sqft
2018-06-01 0 days 2,500 sqft
2018-07-01 0 days 2,512 sqft
2018-08-01 0 days 2,500 sqft
2018-09-01 0 days 2,500 sqft
2018-10-01 0 days 2,500 sqft
2018-11-01 0 days 2,500 sqft
2018-12-01 0 days 2,500 sqft
2019-01-01 0 days 2,500 sqft
2019-02-01 0 days 2,448 sqft
2019-03-01 0 days 2,483 sqft
2019-04-01 0 days 2,545 sqft
2019-05-01 0 days 2,563 sqft
2019-06-01 0 days 2,546 sqft
2019-07-01 0 days 2,557 sqft
2019-08-01 0 days 2,553 sqft
2019-09-01 0 days 2,551 sqft
2019-10-01 0 days 2,549 sqft
2019-11-01 0 days 2,520 sqft
2019-12-01 0 days 2,537 sqft
2020-01-01 0 days 2,511 sqft
2020-02-01 0 days 2,506 sqft
2020-03-01 0 days 2,513 sqft
2020-04-01 0 days 2,500 sqft
2020-05-01 0 days 2,500 sqft
2020-06-01 0 days 2,502 sqft
2020-07-01 0 days 2,493 sqft
2020-08-01 0 days 2,500 sqft
2020-09-01 0 days 2,543 sqft
2020-10-01 0 days 2,543 sqft
2020-11-01 0 days 2,530 sqft
2020-12-01 0 days 2,506 sqft
2021-01-01 0 days 2,512 sqft
2021-02-01 0 days 2,396 sqft
2021-03-01 0 days 2,342 sqft
2021-04-01 0 days 2,353 sqft
2021-05-01 0 days 2,260 sqft
2021-06-01 0 days 2,297 sqft
2021-07-01 0 days 2,256 sqft
2021-08-01 0 days 2,317 sqft
2021-09-01 0 days 2,285 sqft
2021-10-01 0 days 2,290 sqft
2021-11-01 0 days 2,375 sqft
2021-12-01 0 days 2,357 sqft
2022-01-01 0 days 2,367 sqft
2022-02-01 0 days 2,334 sqft
2022-03-01 0 days 2,454 sqft
2022-04-01 0 days 2,429 sqft
2022-05-01 0 days 2,424 sqft
2022-06-01 0 days 2,408 sqft
2022-07-01 0 days 2,495 sqft
2022-08-01 0 days 2,448 sqft
2022-09-01 0 days 2,480 sqft
2022-10-01 0 days 2,497 sqft
2022-11-01 0 days 2,445 sqft
2022-12-01 0 days 2,444 sqft
2023-01-01 0 days 2,439 sqft
2023-02-01 0 days 2,394 sqft
2023-03-01 0 days 2,419 sqft
2023-04-01 0 days 2,464 sqft
2023-05-01 0 days 2,383 sqft
2023-06-01 0 days 2,364 sqft
2023-07-01 0 days 2,375 sqft
2023-08-01 0 days 2,329 sqft
2023-09-01 0 days 2,283 sqft
2023-10-01 0 days 2,200 sqft
2023-11-01 0 days 2,247 sqft
2023-12-01 0 days 2,266 sqft
2024-01-01 0 days 2,284 sqft
2024-02-01 0 days 2,294 sqft
2024-03-01 0 days 2,350 sqft
2024-04-01 0 days 2,363 sqft
2024-05-01 0 days 2,359 sqft
2024-06-01 0 days 2,375 sqft
2024-07-01 0 days 2,361 sqft
2024-08-01 0 days 2,325 sqft
2024-09-01 0 days 2,309 sqft
2024-10-01 0 days 2,308 sqft
2024-11-01 0 days 2,308 sqft
2024-12-01 0 days 2,287 sqft
2025-01-01 0 days 2,308 sqft
2025-02-01 0 days 2,314 sqft
2025-03-01 0 days 2,325 sqft
Pinehurst's median listing age (time on market) for 2025-03-01 was 0 days.

Pinehurst's median square footage for active listings during the 2025-03-01 period was 2,325 sqft. One year prior, the average listing was 2,350 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.