North Carolina VA Loan Rates, Closing Costs & Stats

North Carolina

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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.

    North Carolina VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in North Carolina averaged 6.5% for the week of 2025-04-11, compared to the national average (all VA variants) of 6.292% for the same period.

    North Carolina's average VA mortgage closing costs are $6,228.

    The average rate for the prior week (2025-04-04) was 6.14% and one month ago for the week of 2025-03-07, the average rate was 6.23%.

    The average rate one year ago was 6.53%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.14%.

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

    North Carolina 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 North Carolina level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 4,036 6.42% $6,608
    UNITED WHOLESALE MORTGAGE, LLC 2,432 5.87% $8,776
    FREEDOM MORTGAGE CORPORATION 1,977 6.18% $8,770
    NAVY FEDERAL CREDIT UNION 1,574 5.90% $5,937
    QUICKEN LOANS, LLC 1,496 6.09% $10,440
    MOVEMENT MORTGAGE, LLC 1,254 6.31% $8,688
    PENNYMAC LOAN SERVICES, LLC 1,052 5.65% $8,047
    DHI MORTGAGE COMPANY, LTD. 784 5.16% $6,658
    VILLAGE CAPITAL MORTGAGE 637 5.74% $7,059
    NEWREZ LLC 559 6.11% $7,681
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 557 6.38% $7,783
    CROSSCOUNTRY MORTGAGE, LLC 545 6.37% $8,420
    USAA Federal Savings Bank 522 6.21% $8,760
    LOANDEPOT.COM, LLC 481 6.04% $9,450
    GUARANTEED RATE, INC. 456 6.12% $6,723
    NEW DAY FINANCIAL, LLC 446 7.47% $12,041
    American Security Mortgage Corp. 414 6.17% $10,065
    GUILD MORTGAGE COMPANY 343 6.47% $7,929
    UNION HOME MORTGAGE CORP. 322 6.26% $8,850
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 310 6.44% $7,731
    CORNERSTONE HOME LENDING, INC. 266 6.22% $6,844
    MORTGAGE SOLUTIONS OF COLORADO, LLC 245 7.07% $4,589
    NFM, INC. 237 6.15% $11,488
    The Federal Savings Bank 237 6.33% $16,837
    NVR Mortgage Finance, Inc. 218 5.90% $6,567
    GoPrime Mortgage, Inc. 201 6.14% $9,004
    CMG MORTGAGE, INC. 172 6.14% $9,971
    SOUTHERN TRUST MORTGAGE, LLC 153 6.54% $11,565
    BROKER SOLUTIONS, INC. 146 6.56% $10,562
    JET HOMELOANS, LLC 146 5.88% $11,929
    Integrity Home Mortgage Corp 144 6.49% $6,543
    Alcova Mortgage LLC 142 6.31% $8,036
    Mr. Cooper ( Nationstar Mortgage ) 141 6.26% $9,451
    PLAZA HOME MORTGAGE, INC. 137 6.22% $9,552
    Prosperity Home Mortgage, LLC 136 6.17% $8,994
    Mid-Continent Funding, Inc. 134 6.14% $7,578
    PLANET HOME LENDING, LLC 131 5.89% $5,264
    Carrington Mortgage Services, LLC 122 6.08% $9,378
    LAKEVIEW LOAN SERVICING, LLC 122 5.70% $6,344
    NBKC BANK 120 5.91% $6,084
    Truist 111 6.09% $7,560
    EAGLE HOME MORTGAGE, LLC 110 5.87% $5,098
    Towne Bank 109 6.05% $9,995
    CLEARPATH LENDING 109 5.70% $6,689
    Barrington Bank & Trust Company, N.A. 105 6.35% $7,876
    T2 FINANCIAL LLC 99 6.47% $9,908
    MUTUAL OF OMAHA MORTGAGE, INC. 98 6.21% $11,917
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 95 6.38% $6,638
    INTERCOASTAL MORTGAGE COMPANY 93 6.49% $5,933
    FBC MORTGAGE, LLC 93 5.37% $8,918
    PENTAGON FEDERAL CREDIT UNION 87 6.05% $6,772
    VANDERBILT MORTGAGE AND FINANCE, INC. 82 5.80% $6,951
    CARDINAL FINANCIAL 77 6.65% $12,865
    SeaTrust Mortgage Company 77 6.40% $8,676
    HOMESPIRE MORTGAGE CORPORATION 71 6.39% $6,518
    Equity Prime Mortgage LLC 69 6.71% $8,259
    SUN WEST MORTGAGE COMPANY, INC. 66 5.94% $7,405
    First Federal Bank 66 5.82% $7,435
    ZILLOW HOME LOANS, LLC 64 6.29% $7,447
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 63 6.23% $10,731
    Lakeview Community Capital, LLC 63 5.77% $5,417
    VELOCIO MORTGAGE L.L.C. 62 5.31% $5,513
    Wells Fargo Bank 61 5.98% $9,169
    PULTE MORTGAGE LLC 57 5.75% $4,417
    MICHIGAN MUTUAL, INC. 57 6.28% $5,711
    RELIANCE FIRST CAPITAL, LLC 56 6.67% $9,586
    HOWARD HANNA FINANCIAL SERVICES, INC. 56 6.25% $7,866
    Atlantic Coast Mortgage, LLC 54 6.27% $11,599
    Flagstar Bank, FSB 51 5.91% $10,442
    MATTAMY HOME FUNDING, LLC 49 5.72% $6,279
    AmeriHome Mortgage Company, LLC 49 6.16% $4,783
    AMERISAVE MORTGAGE CORPORATION 49 5.72% $19,131
    First-Citizens Bank & Trust Company 45 5.80% $6,607
    PRIMELENDING, A PLAINSCAPITAL COMPANY 44 6.21% $7,045
    FIRST HOME MORTGAGE CORPORATION 44 6.25% $8,744
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 39 6.39% $9,211
    Paramount Residential Mortgage Group, Inc. 39 6.45% $7,821
    Plains Commerce Bank 38 6.25% $9,357
    EQUITY RESOURCES, INC. 37 6.38% $4,606
    Credence Funding Corporation 36 5.68% $6,971
    HOMESIDE FINANCIAL, LLC 36 6.32% $12,597
    Ameris Bank 36 6.09% $8,618
    INSPIRE HOME LOANS INC. 35 5.65% $4,199
    Encompass Lending Group, LP 35 6.41% $13,353
    Armed Forces Bank 35 6.11% $7,738
    Corporate Investors Mortgage Group, Inc. 34 6.11% $8,786
    AMERICAN FINANCIAL RESOURCES, INC. 34 6.38% $10,561
    KBHS HOME LOANS, LLC 34 5.74% $7,299
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 32 5.88% $7,830
    SUCCESS MORTGAGE PARTNERS, INC. 32 6.56% $11,070
    LOANPAL, LLC 32 5.81% $10,617
    United Community Bank 31 6.24% $8,681
    VERITAS FUNDING, LLC 31 6.34% $17,814
    Presidential Bank, FSB 31 6.32% $9,319
    First Heritage Mortgage, LLC 30 6.19% $9,270
    HOMEBRIDGE FINANCIAL SERVICES, INC. 30 6.32% $3,490
    U.S. Bank 30 6.09% $7,477
    AMERICAN FINANCIAL NETWORK, INC. 27 6.15% $9,594
    The Central Trust Bank 27 6.22% $9,005
    The Loan Store, Inc. 27 6.05% $8,722
    GUARANTEED RATE AFFINITY, LLC 27 6.25% $6,310
    PHH Mortgage Corporation 26 5.98% $5,885
    South Pacific Financial Corporation 26 5.72% $6,681
    SUMMIT FUNDING, INC. 26 6.25% $8,304
    North State Bank 26 6.27% $8,713
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 26 6.51% $10,784
    EMM LOANS LLC 25 6.18% $10,387
    CALCON MUTUAL MORTGAGE LLC 25 6.60% $13,948
    Blue Ridge Bank 25 6.65% $8,724
    TIDEWATER MORTGAGE SERVICES, INC. 24 6.14% $14,502
    BAY EQUITY LLC 23 6.25% $7,674
    MORTGAGEONE, INC. 23 6.73% $4,859
    Towne Mortgage of the Carolinas, LLC 23 6.14% $11,424
    Nations Lending Corporation 23 6.35% $10,225
    ALLIED MORTGAGE GROUP, INC. 22 6.01% $5,421
    CHURCHILL MORTGAGE CORPORATION 22 6.39% $9,904
    NETWORK CAPITAL FUNDING CORPORATION 22 6.05% $15,075
    ACOPIA, LLC 21 6.24% $12,222
    Magnolia Bank 21 5.92% $15,944
    Advance Financial Group, LLC 20 6.31% $10,485
    JPMorgan Chase Bank 20 6.04% $6,139
    PRIMARY RESIDENTIAL MORTGAGE, INC. 20 6.27% $7,407
    FIRST COMMUNITY MORTGAGE, INC. 20 6.14% $11,083
    TOWNE MORTGAGE COMPANY 19 6.10% $8,430
    AMERICAN PACIFIC MORTGAGE CORPORATION 18 6.22% $10,283
    MILEND, INC. 18 6.42% $16,273
    First National Bank of Pennsylvania 18 6.08% $7,501
    ENVOY MORTGAGE, LTD 17 6.48% $7,445
    Texana Bank 17 6.71% $12,420
    AMERICAN FINANCING CORPORATION 16 6.01% $12,238
    RESOURCE FINANCIAL SERVICES, INC. 16 6.49% $8,507
    Century Mortgage Company DBA Century Lending Company 16 5.83% $8,698
    Renasant Bank 15 6.22% $7,045
    Fifth Third Bank 15 6.45% $5,526
    SFMC, LP 15 6.46% $9,903
    C & F Mortgage Corporation 15 6.65% $16,831
    TBI MORTGAGE COMPANY 15 5.85% $9,628
    Southern Bank and Trust Company 14 5.79% $5,651
    CANOPY MORTGAGE, LLC 14 6.05% $10,321
    MORIA DEVELOPMENT, INC. 13 6.21% $9,107
    First Horizon Bank 13 6.29% $6,843
    M/I FINANCIAL, LLC 13 5.53% $17,619
    Regions Bank 13 6.49% $8,678
    Ixonia Bank 12 6.16% $16,346
    The Fidelity Bank 12 6.29% $7,206
    RAPID MORTGAGE COMPANY 12 6.80% $7,580
    CAPITAL CENTER, L.L.C. 12 6.04% $4,411
    FIRST EQUITY MORTGAGE INCORPORATED 11 5.74% $7,033
    STOCKTON MORTGAGE CORPORATION 11 6.59% $11,031
    Sierra Pacific Mortgage Company, Inc. 11 6.30% $8,563
    CITY FIRST MORTGAGE SERVICES, L.L.C. 11 6.24% $9,397
    EVERETT FINANCIAL, INC. 11 6.32% $8,197
    Pinnacle Bank 10 6.28% $6,151
    AmRes Corporation 10 6.81% $13,051
    1ST SIGNATURE LENDING, LLC 10 6.94% $8,206
    First Bank 10 5.91% $7,474
    Gateway First Bank 10 6.81% $5,792
    ALLIANT CREDIT UNION 10 5.66% $6,943
    North American Savings Bank, F.S.B. 10 5.87% $7,572
    Northpointe Bank 10 6.24% $7,292
    AFFORDABLE MORTGAGE ADVISORS, LLC. 9 6.43% $7,633
    PREMIA MORTGAGE, LLC 9 5.84% $3,464
    MID AMERICA MORTGAGE, INC. 9 6.92% $16,080
    JMAC LENDING, INC. 9 6.29% $8,832
    LADERA LENDING, INC. 8 6.44% $9,962
    Keystone Funding, Inc. 8 6.33% $8,536
    CityWorth Mortgage LLC 8 6.33% $7,663
    Truliant Federal Credit Union 8 6.13% $5,025
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 8 5.81% $5,014
    TJC Mortgage, Inc. 8 5.91% $9,877
    Strong Home Mortgage, LLC 8 5.90% $8,684
    Cornerstone First Mortgage, Inc 8 6.05% $15,409
    CONTOUR MORTGAGE CORPORATION 8 6.28% $9,299
    LEGEND LENDING CORPORATION 7 6.89% $12,839
    SWBC MORTGAGE CORPORATION 7 6.61% $8,135
    Waterstone Mortgage Corporation 7 6.32% $11,497
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 7 7.09% $9,347
    NORWICH COMMERCIAL GROUP, INC. 7 5.86% $10,601
    V.I.P. MORTGAGE, INC. 7 6.28% $7,055
    Uwharrie Bank 7 6.43% $6,123
    STAUNTON FINANCIAL, INC. 7 6.25% $10,848
    DAS Acquisition Company, LLC 7 6.68% $12,796
    DELMAR FINANCIAL COMPANY 7 6.57% $11,457
    POLARIS HOME FUNDING CORP. 6 6.83% $14,831
    ALLEGACY FEDERAL CREDIT UNION 6 6.50% $13,892
    Towne Mortgage, LLC 6 6.19% $14,094
    American Mortgage & Equity Consultants, Inc. 6 6.67% $9,789
    Residential Mortgage Solutions, Inc. 6 6.15% $5,164
    Residential Acceptance Corporation 6 7.71% $5,759
    LOANFLIGHT LENDING, LLC 6 5.71% $3,930
    NATION ONE MORTGAGE CORPORATION 6 6.56% $9,741
    BAYSHORE MORTGAGE FUNDING, LLC 6 6.38% $6,675
    HOMESTEAD FUNDING CORP. 6 6.13% $12,517
    TOP FLITE FINANCIAL, INC. 6 6.90% $16,917
    EMBRACE HOME LOANS, INC. 5 6.47% $10,856
    JAMS-01, INC. 5 6.30% $13,132
    United Bank 5 6.27% $7,360
    PNC Bank 5 6.63% $6,433
    Bank of England 5 6.03% $8,415
    Bank of America 5 6.50% $7,873
    Wolfe Financial, Inc 5 6.70% $4,674
    ON Q FINANCIAL, INC. 5 6.58% $6,452
    RADIUS FINANCIAL GROUP INC. 5 6.50% $6,682
    Mortgage Assurance Inc. 4 6.22% $10,675
    SOVEREIGN LENDING GROUP INCORPORATED 4 6.19% $2,854
    Citizens Bank 4 5.78% $8,547
    Meridian Bank Corporation 4 6.31% $7,988
    PREMIER LENDING, INC. 4 6.38% $8,061
    GERSHMAN INVESTMENT CORP. 4 5.81% $8,555
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.47% $10,049
    Shea Mortgage Inc. 4 6.13% $352
    Summit Mortgage Corporation 4 7.16% $7,154
    Sunflower Bank 4 6.43% $12,496
    South State Bank 4 6.16% $7,782
    Fulton Bank 3 5.88% $9,592
    M&T Bank 3 6.96% $6,903
    THE MORTGAGE LINK, INC. 3 6.25% $16,321
    FIDELITY DIRECT MORTGAGE, LLC 3 6.96% $21,617
    Goldwater Bank, N.A. 3 8.24% $19,758
    UNIVERSITY Federal Credit Union 3 6.58% $7,919
    MORTGAGE EQUITY PARTNERS LLC 3 6.42% $4,974
    GREENSTATE CREDIT UNION 3 6.04% $3,186
    City National Bank of Florida 3 5.88% $8,479
    GSF Mortgage Corporation 3 7.13% $16,841
    Capital City Home Loans, LLC 3 6.04% $9,552
    FLAT BRANCH MORTGAGE, INC. 3 6.50% $10,954
    Franklin Loan Corporation 3 5.92% $11,557
    SOUTHWEST STAGE FUNDING, LLC 3 6.21% $797
    ROYAL UNITED MORTGAGE LLC 3 7.04% $10,527
    AMERITRUST MORTGAGE CORPORATION 3 7.25% $3,546
    PANORAMA MORTGAGE GROUP, LLC 3 6.71% $6,313
    LENOX FINANCIAL MORTGAGE CORPORATION 2 5.25% $4,836
    Acre Mortgage and Financial Inc 2 6.37% $14,904
    Atlantic Union Bank 2 5.69% $5,508
    AXIA FINANCIAL, LLC 2 7.00% $6,503
    Commerce Home Mortgage, Inc. 2 5.63% $3,736
    COMPASS MORTGAGE, INC. 2 6.38% $4,881
    DIRECT MORTGAGE LOANS, LLC 2 6.69% $8,383
    Farmers Bank & Trust 2 6.06% $4,985
    FIRST ALLIANCE HOME MORTGAGE, LLC 2 6.19% $6,464
    FIRST SAVINGS MORTGAGE CORPORATION 2 6.69% $15,114
    FIRST STATE MORTGAGE SERVICES, LLC 2 6.19% $6,888
    GENEVA FINANCIAL, LLC 2 6.19% $7,433
    HALLMARK HOME MORTGAGE, LLC 2 6.69% $7,848
    Hometown Equity Mortgage, LLC 2 6.75% $9,895
    INTERCAP LENDING INC. 2 5.43% $17,772
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.69% $9,087
    MDE Home Loans, LLC 2 6.38% $15,462
    MLD MORTGAGE INC. 2 6.25% $15,381
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.44% $9,804
    NBH Bank 2 6.69% $8,592
    OCMBC, INC. 2 6.19% $3,280
    OPEN MORTGAGE, LLC 2 6.69% $13,335
    Pacific Lending LLC 2 6.25% $8,972
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.75% $21,598
    ROSS MORTGAGE CORPORATION 2 6.81% $10,055
    Sandy Spring Bank 2 6.19% $6,140
    TD Bank 2 6.81% $1,255
    The Freedom Bank of Virginia 2 6.19% $4,820
    THE MORTGAGE FIRM, INC. 2 7.31% $8,801
    Tidewater Home Funding, LLC 2 6.56% $1,875
    TOTAL MORTGAGE SERVICES, LLC 2 6.63% $13,352
    UNITED MORTGAGE CORP 2 6.69% $22,222
    Victorian Finance, LLC 2 6.69% $4,501
    OCEANSIDE MORTGAGE COMPANY 1 5.50% $10,828
    SIRVA MORTGAGE, INC. 1 5.38% $3,700
    SOUTH CENTRAL BANK, INC. 1 6.50% $2,384
    NP, Inc. 1 6.13% $7,801
    NJ LENDERS CORP. 1 5.25% $3,826
    Southern First Bank 1 6.75% $2,720
    NEW FED MORTGAGE, CORP. 1 6.75% $3,776
    NATIONS DIRECT MORTGAGE, LLC 1 5.99% $10,438
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 6.63% $7,021
    MORTGAGE INVESTORS GROUP, INC. 1 6.75% $6,381
    MORTGAGE FINANCIAL GROUP, INC. 1 6.88% $105
    MORTGAGE ACCESS CORP. 1 5.25% $12,044
    MLB RESIDENTIAL LENDING, LLC 1 5.75% $2,519
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.75% $31,057
    LOANLEADERS OF AMERICA, INC. 1 5.75% $29,722
    LIBERTY HOME MORTGAGE CORPORATION 1 7.13% $24,081
    1st National Bank 1 6.13% $5,353
    Legends Bank 1 5.38% $16,383
    LEADERONE FINANCIAL CORPORATION 1 7.25% $4,746
    LANGLEY 1 6.00% $2,901
    Kwik Mortgage Corporation 1 6.75% $7,042
    ISERVE RESIDENTIAL LENDING, LLC 1 5.25% $3,823
    INTERSTATE HOME LOAN CENTER, INC. 1 6.13% $4,181
    BAY-VALLEY MORTGAGE GROUP 1 6.25% $10,374
    INTERLINC MORTGAGE SERVICES, LLC 1 6.75% $9,135
    The Camden National Bank 1 5.63% $3,245
    HUNT MORTGAGE CORPORATION 1 6.75% $7,788
    THE EQUITABLE MORTGAGE CORPORATION 1 6.13% $7,135
    Home Mortgage Alliance Corp 1 5.88% $7,487
    HARTFORD FUNDING, LTD. 1 6.25% $9,653
    BANKSOUTH MORTGAGE COMPANY, LLC 1 6.25% $4,689
    The Huntington National Bank 1 5.88% $3,940
    HARBORONE MORTGAGE, LLC 1 5.38% $8,116
    Watermark Capital, Inc. 1 5.75% $10,821
    GVC MORTGAGE, INC. 1 6.13% $18,240
    Arvest Bank 1 5.88% $9,548
    GARDNER FINANCIAL SERVICES, LTD. 1 7.13% $10,110
    F & M BANK CORP. 1 7.25% $6,912
    First Western Trust Bank 1 6.13% $470
    ALAMEDA MORTGAGE CORPORATION 1 6.63% $6,730
    First National Bank Texas 1 6.13% $9,210
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.25% $1,358
    First Federal Bank of Kansas City 1 6.50% $9,883
    First Federal Bank, A FSB 1 6.13% $8,047
    FIRST COLONY MORTGAGE CORPORATION 1 5.88% $6,772
    FirstBank 1 6.63% $3,794
    First Bank 1 7.00% $3,589
    Fidelity Bank 1 7.13% $18,582
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.49% $7,457
    Academy Bank 1 6.25% $2,620
    DIRECTIONS EQUITY, LLC 1 6.25% $7,834
    DATA MORTGAGE, INC. 1 6.00% $3,183
    CASTLE & COOKE MORTGAGE, LLC 1 5.75% $7,813
    Capital Bank 1 5.25% $14,285
    US MORTGAGE CORPORATION 1 6.25% $10,953
    BOND STREET MORTGAGE, LLC 1 6.63% $7,315
    BOKF 1 6.63% $3,857
    VAN DYK MORTGAGE CORPORATION 1 6.63% $5,568
    Vellum Mortgage, Inc. 1 5.99% $13,425
    BM Real Estate Services, Inc. 1 7.25% $10,321
    POINT Mortgage 1 6.13% $7,703
    RiverHills Bank 1 6.75% $8,982
    BETTER MORTGAGE CORPORATION 1 6.63% $4,186
    Peoples Bank 1 6.25% $3,405
    ABSOLUTE HOME MORTGAGE CORPORATION 1 7.63% $14,404
    Paramount Bank 1 6.13% $9,149
    SENTE MORTGAGE, INC. 1 6.75% $13,797
    ONY GLO, INC. 1 5.50% $4,376
    Old National Bank 1 5.50% $6,634

    The top North Carolina VA lender as defined by loan originations is Mortgage Research Center, LLC, with 4,036 VA loans originated. Their average total fees are $6,608, which is $2,168 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee North Carolina VA lenders (with over 10 loans originated) are HOMEBRIDGE FINANCIAL SERVICES, INC. ($3,490), INSPIRE HOME LOANS INC. ($4,199), CAPITAL CENTER, L.L.C. ($4,411), PULTE MORTGAGE LLC ($4,417) and MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,589).

    The lowest rate North Carolina VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.16%), VELOCIO MORTGAGE L.L.C. (5.31%), FBC MORTGAGE, LLC (5.37%), M/I FINANCIAL, LLC (5.53%) and PENNYMAC LOAN SERVICES, LLC (5.65%).

    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.