Pinehurst VA Loan Rates, Closing Costs & Stats

Pinehurst-Southern Pines, 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.

    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.