Rockingham County VA Loans

ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH

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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.

    Rockingham County's 112 lenders originated 1,668 VA loans during 2021. The total origination value was $574,890,000, with an average VA loan value of $344,658.

    Rockingham County VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Rockingham County averaged 4.79% for the week of 2022-03-25, compared to the national average (all VA variants) of 4.399% for the same period.

    The average rate for the prior week (2022-03-18) was 4.27% and one month ago for the week of 2022-02-18, the average rate was 4.19%.

    The average rate one year ago was 3.36%.

    For refis of the same type during the week of 2022-03-25, the average rate was 4.42%.

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

    Rockingham County 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 Rockingham County level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    Mortgage Research Center, LLC 163 2.76% $7,400
    QUICKEN LOANS, LLC 142 2.44% $5,391
    PENNYMAC LOAN SERVICES, LLC 94 2.40% $6,776
    FREEDOM MORTGAGE CORPORATION 81 2.36% $3,033
    CMG MORTGAGE, INC. 66 2.69% $6,488
    UNITED WHOLESALE MORTGAGE, LLC 61 2.51% $6,980
    LOANDEPOT.COM, LLC 52 2.50% $4,952
    NAVY FEDERAL CREDIT UNION 46 2.43% $5,477
    USAA Federal Savings Bank 41 2.90% $4,818
    LAKEVIEW LOAN SERVICING, LLC 38 2.43% $2,389
    NEW DAY FINANCIAL, LLC 37 2.69% $7,845
    CALIBER HOME LOANS, INC. 33 2.47% $4,287
    NEWREZ LLC 32 2.56% $6,269
    RESIDENTIAL MORTGAGE SERVICES, INC. 32 2.64% $8,416
    Mr. Cooper ( Nationstar Mortgage ) 31 2.71% $3,958
    The Federal Savings Bank 29 2.48% $8,639
    ENVOY MORTGAGE, LTD 24 2.87% $8,431
    LEADERONE FINANCIAL CORPORATION 23 2.70% $6,167
    GUARANTEED RATE, INC. 20 2.64% $4,264
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 2.89% $8,297
    Service Federal Credit Union 18 2.75% $6,124
    CROSSCOUNTRY MORTGAGE, LLC 17 2.81% $7,026
    HARBORONE MORTGAGE, LLC 17 2.63% $5,399
    EMBRACE HOME LOANS, INC. 12 2.45% $5,170
    Carrington Mortgage Services, LLC 11 2.66% $7,464
    AMERISAVE MORTGAGE CORPORATION 10 2.48% $10,082
    Low VA Rates, LLC 10 2.38% $5,773
    Wells Fargo Bank 10 2.54% $4,929
    Mortgage Network, Inc. 10 2.70% $5,739
    MORTGAGE EQUITY PARTNERS LLC 9 2.72% $6,045
    PENTAGON FEDERAL CREDIT UNION 9 2.33% $2,409
    HOME POINT FINANCIAL CORPORATION 8 2.56% $2,683
    PRIMELENDING, A PLAINSCAPITAL COMPANY 8 3.21% $11,375
    Citizens Bank 8 2.83% $2,158
    HOMEBRIDGE FINANCIAL SERVICES, INC. 7 2.55% $7,778
    BROKER SOLUTIONS, INC. 7 2.48% $6,371
    First Guaranty Mortgage Corporation 7 2.29% $3,243
    LENDUS, LLC 7 2.39% $5,022
    Barrington Bank & Trust Company, N.A. 6 2.43% $4,982
    North American Savings Bank, F.S.B. 6 2.31% $2,561
    RELIANCE FIRST CAPITAL, LLC 6 2.77% $10,535
    MOVEMENT MORTGAGE, LLC 6 2.60% $12,416
    Magnolia Bank 6 2.44% $6,978
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 2.68% $5,715
    BNC National Bank 5 2.18% $4,601
    ACCELERATE MORTGAGE, LLC 5 2.05% $5,921
    NP, Inc. 5 2.35% $4,779
    TOTAL MORTGAGE SERVICES, LLC 5 3.15% $7,978
    Wyndham Capital Mortgage, Inc. 5 2.38% $5,362
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 2.90% $7,087
    Waterstone Mortgage Corporation 4 3.06% $11,228
    DRAPER AND KRAMER MORTGAGE CORP. 4 2.47% $5,341
    TJC Mortgage, Inc. 4 2.25% $3,552
    MUTUAL OF OMAHA MORTGAGE, INC. 3 2.38% $8,474
    SUN WEST MORTGAGE COMPANY, INC. 3 2.46% $5,627
    Sierra Pacific Mortgage Company, Inc. 3 2.83% $9,136
    Prime Choice Funding Inc. 3 2.67% $7,835
    PREMIA MORTGAGE, LLC 3 2.29% $9,029
    PLANET HOME LENDING, LLC 3 2.42% $965
    VILLAGE CAPITAL & INVESTMENT LLC 3 2.38% $3,915
    NEW FED MORTGAGE, CORP. 3 2.67% $9,478
    NBKC BANK 3 2.25% $4,351
    EMM LOANS LLC 3 2.88% $5,144
    Paramount Residential Mortgage Group, Inc. 2 2.81% $10,968
    HOMESPIRE MORTGAGE CORPORATION 2 2.25% $110
    Ixonia Bank 2 2.25% $6,117
    First Federal Bank 2 2.94% $5,132
    FINANCE OF AMERICA MORTGAGE LLC 2 2.94% $6,151
    Envision Bank 2 2.56% $2,868
    Nations Lending Corporation 2 2.25% $8,608
    DREW MORTGAGE ASSOCIATES, INC. 2 2.56% $3,680
    NORTHPOINT MORTGAGE, INC. 2 3.00% $3,026
    CHURCHILL MORTGAGE CORPORATION 2 2.94% $6,138
    RADIUS FINANCIAL GROUP INC. 2 2.71% $7,115
    Bank of New Hampshire 2 2.50% $13,921
    SALEM FIVE MORTGAGE COMPANY, LLC 2 2.63% $14,508
    ST. MARY'S BANK 2 2.75% $3,130
    The Camden National Bank 2 2.44% $4,989
    AMERICAN FINANCIAL NETWORK, INC. 2 2.31% $6,290
    OCMBC, INC. 1 2.88% $3,698
    HOMESIDE FINANCIAL, LLC 1 2.88% $16,816
    Community First National Bank 1 2.88% $3,174
    AMCAP MORTGAGE, LTD. 1 2.25% $6,069
    Peoples Bank 1 2.50% $23,557
    PHH Mortgage Corporation 1 2.63% $4,727
    Manufacturers and Traders Trust Company 1 2.88% $4,358
    First Federal Bank of Kansas City 1 3.00% $2,573
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.38% $5,374
    First Home Bank 1 2.63% $18,058
    Century Mortgage Company DBA Century Lending Company 1 2.63% $4,699
    Capital Bank 1 2.25% $2,097
    AMERICAN FINANCING CORPORATION 1 2.63% $5,158
    GUILD MORTGAGE COMPANY 1 3.38% $3,669
    Republic State Mortgage Co. 1 2.25% $2,686
    Bangor Savings Bank 1 3.25% $4,003
    KS StateBank 1 2.25% $1,658
    Atlantic Home Loans, Inc. 1 2.99% $5,876
    Flagstar Bank, FSB 1 2.75% $2,062
    South State Bank 1 2.38% $3,355
    HANSCOM 1 3.13% $2,552
    Strong Home Mortgage, LLC 1 2.25% $10,463
    GENEVA FINANCIAL, LLC 1 2.75% $3,597
    Home Loan Investment Bank, F.S.B. 1 2.38% $4,916
    MSA MORTGAGE, LLC 1 2.25% $4,958
    Equity Prime Mortgage LLC 1 2.75% $14,045
    Goldwater Bank, N.A. 1 2.25% $7,599
    Evolve Bank & Trust 1 2.63% $15,152
    Midwest BankCentre 1 1.88% $2,971
    CUSO MORTGAGE CORPORATION 1 2.63% $2,771
    Northpointe Bank 1 2.75% $3,611
    GUARANTEED RATE AFFINITY, LLC 1 2.75% $1,699
    MID AMERICA MORTGAGE, INC. 1 2.75% $2,382

    The top Rockingham County VA lender as defined by loan originations is Mortgage Research Center, LLC, with 163 VA loans originated. Their average total fees are $7,400, which is $2,009 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Rockingham County VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($2,389), FREEDOM MORTGAGE CORPORATION ($3,033), Mr. Cooper ( Nationstar Mortgage ) ($3,958), GUARANTEED RATE, INC. ($4,264) and CALIBER HOME LOANS, INC. ($4,287).

    The lowest rate Rockingham County VA lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION (2.36%), Low VA Rates, LLC (2.38%), PENNYMAC LOAN SERVICES, LLC (2.40%), NAVY FEDERAL CREDIT UNION (2.43%) and LAKEVIEW LOAN SERVICING, LLC (2.43%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Rockingham County (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 $529,000 (5.9%) $852,362 (3.9%) 1.95 6,241
    2018-02-01 $542,673 (4.5%) $872,304 (3.0%) 1.96 6,214
    2018-03-01 $569,900 (5.6%) $898,570 (4.3%) 1.97 6,803
    2018-04-01 $579,000 (5.4%) $894,248 (2.8%) 1.94 7,979
    2018-05-01 $579,948 (5.5%) $891,075 (3.5%) 1.93 9,070
    2018-06-01 $575,000 (4.6%) $870,299 (2.3%) 1.92 10,569
    2018-07-01 $556,998 (1.5%) $844,756 (1.1%) 1.86 10,475
    2018-08-01 $547,958 (4.0%) $818,420 (0.5%) 1.83 10,501
    2018-09-01 $549,000 (3.6%) $801,335 (-1.2%) 1.84 11,776
    2018-10-01 $549,000 (1.8%) $794,856 (-3.4%) 1.84 12,025
    2018-11-01 $539,450 (0.0%) $793,441 (-3.8%) 1.81 11,348
    2018-12-01 $535,000 (1.1%) $794,612 (-5.6%) 1.83 8,996
    2019-01-01 $534,450 (1.0%) $800,270 (-6.1%) 1.84 7,818
    2019-02-01 $549,450 (1.3%) $844,504 (-3.2%) 1.84 7,592
    2019-03-01 $571,214 (0.2%) $875,287 (-2.6%) 1.86 8,263
    2019-04-01 $599,700 (3.6%) $905,908 (1.3%) 1.89 9,134
    2019-05-01 $599,950 (3.5%) $916,397 (2.8%) 1.85 10,323
    2019-06-01 $599,900 (4.3%) $914,904 (5.1%) 1.85 11,544
    2019-07-01 $599,900 (7.7%) $905,719 (7.2%) 1.86 11,082
    2019-08-01 $591,329 (7.9%) $885,926 (8.3%) 1.86 11,110
    2019-09-01 $579,450 (5.6%) $865,717 (8.0%) 1.84 11,377
    2019-10-01 $586,250 (6.8%) $880,789 (10.8%) 1.87 11,535
    2019-11-01 $589,900 (9.4%) $902,980 (13.8%) 1.90 10,150
    2019-12-01 $587,000 (9.7%) $911,445 (14.7%) 1.96 7,353
    2020-01-01 $582,500 (9.0%) $925,593 (15.7%) 1.94 6,053
    2020-02-01 $599,900 (9.2%) $968,283 (14.7%) 1.94 5,960
    2020-03-01 $629,900 (10.3%) $976,960 (11.6%) 1.97 6,860
    2020-04-01 $616,500 (2.8%) $939,971 (3.8%) 1.92 6,710
    2020-05-01 $629,900 (5.0%) $940,920 (2.7%) 1.91 7,475
    2020-06-01 $654,500 (9.1%) $996,174 (8.9%) 1.91 8,057
    2020-07-01 $675,000 (12.5%) $1,029,426 (13.7%) 1.93 7,646
    2020-08-01 $679,000 (14.8%) $1,040,454 (17.4%) 1.94 7,382
    2020-09-01 $677,000 (16.8%) $1,033,568 (19.4%) 1.93 7,760
    2020-10-01 $669,000 (14.1%) $1,030,994 (17.1%) 1.91 8,156
    2020-11-01 $654,500 (11.0%) $1,032,525 (14.4%) 1.87 7,347
    2020-12-01 $649,000 (10.6%) $1,014,973 (11.4%) 1.90 5,491
    2021-01-01 $660,000 (13.3%) $1,070,483 (15.7%) 1.94 4,241
    2021-02-01 $679,900 (13.3%) $1,121,272 (15.8%) 1.96 3,996
    2021-03-01 $682,000 (8.3%) $1,135,065 (16.2%) 1.91 4,394
    2021-04-01 $699,000 (13.4%) $1,192,587 (26.9%) 1.88 5,015
    2021-05-01 $699,900 (11.1%) $1,192,755 (26.8%) 1.84 5,108
    2021-06-01 $699,450 (6.9%) $1,152,833 (15.7%) 1.82 6,032
    2021-07-01 $677,450 (0.4%) $1,126,929 (9.5%) 1.76 5,888
    2021-08-01 $650,000 (-4.3%) $1,078,666 (3.7%) 1.71 5,797
    2021-09-01 $674,600 (-0.4%) $1,062,031 (2.8%) 1.78 6,287
    2021-10-01 $689,000 (3.0%) $1,070,318 (3.8%) 1.81 6,224
    2021-11-01 $677,450 (3.5%) $1,086,661 (5.2%) 1.79 5,184
    2021-12-01 $694,500 (7.0%) $1,146,193 (12.9%) 1.85 3,715
    2022-01-01 $724,900 (9.8%) $1,225,745 (14.5%) 1.93 2,826
    Rockingham County's median listing price for 2022-01-01 was $724,900, a difference of $64,900 (9.8%) versus the prior year and $30,400 versus the prior month.

    Rockingham County's median listing price comes in at 193% of the national average.

    Rockingham County's average listing price for 2022-01-01 was $1,225,745, a difference of $155,262 (14.5%) versus the prior year and $79,552 versus the prior month.

    For the 2022-01-01 period, Rockingham County had 2,826 MLS listings, a difference of -889 listings (-24%) versus the prior month and -1,415 listings (-33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Rockingham County (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 78 days 2,015 sqft
    2018-02-01 68 days 2,035 sqft
    2018-03-01 38 days 2,063 sqft
    2018-04-01 31 days 2,044 sqft
    2018-05-01 30 days 2,064 sqft
    2018-06-01 33 days 2,056 sqft
    2018-07-01 44 days 2,043 sqft
    2018-08-01 47 days 2,021 sqft
    2018-09-01 45 days 2,000 sqft
    2018-10-01 45 days 1,977 sqft
    2018-11-01 52 days 1,959 sqft
    2018-12-01 66 days 1,952 sqft
    2019-01-01 73 days 1,926 sqft
    2019-02-01 62 days 1,950 sqft
    2019-03-01 43 days 1,995 sqft
    2019-04-01 34 days 2,038 sqft
    2019-05-01 34 days 2,053 sqft
    2019-06-01 37 days 2,060 sqft
    2019-07-01 49 days 2,035 sqft
    2019-08-01 57 days 2,012 sqft
    2019-09-01 51 days 1,984 sqft
    2019-10-01 48 days 1,984 sqft
    2019-11-01 57 days 1,984 sqft
    2019-12-01 74 days 1,949 sqft
    2020-01-01 80 days 1,930 sqft
    2020-02-01 50 days 1,983 sqft
    2020-03-01 32 days 2,014 sqft
    2020-04-01 45 days 2,001 sqft
    2020-05-01 53 days 2,016 sqft
    2020-06-01 34 days 1,991 sqft
    2020-07-01 37 days 1,912 sqft
    2020-08-01 37 days 1,864 sqft
    2020-09-01 33 days 1,746 sqft
    2020-10-01 32 days 1,707 sqft
    2020-11-01 46 days 1,701 sqft
    2020-12-01 60 days 1,695 sqft
    2021-01-01 64 days 1,667 sqft
    2021-02-01 37 days 1,674 sqft
    2021-03-01 25 days 1,682 sqft
    2021-04-01 22 days 1,668 sqft
    2021-05-01 22 days 1,692 sqft
    2021-06-01 22 days 1,702 sqft
    2021-07-01 30 days 1,707 sqft
    2021-08-01 31 days 1,712 sqft
    2021-09-01 29 days 1,691 sqft
    2021-10-01 30 days 1,661 sqft
    2021-11-01 40 days 1,631 sqft
    2021-12-01 52 days 1,650 sqft
    2022-01-01 58 days 1,658 sqft
    Rockingham County's median listing age (time on market) for 2022-01-01 was 58 days. This is -9% shorter than the same period one year ago.

    Rockingham County's median square footage for active listings during the 2022-01-01 period was 1,658 sqft. One year prior, the average listing was 1,667 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.