Rockingham County VA Loans

ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH

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.