New Hampshire VA Loan Rates, Closing Costs & Stats

New Hampshire

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.

New Hampshire VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in New Hampshire averaged 6.24% for the week of 2024-02-16, compared to the national average (all VA variants) of 6.462% for the same period.

New Hampshire's average VA mortgage closing costs are $6,158.

The average rate for the prior week (2024-02-09) was 6.3% and one month ago for the week of 2024-01-12, the average rate was 6.06%.

The average rate one year ago was 5.72%.

For refis of the same type during the week of 2024-02-16, the average rate was 5.15%.

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

New Hampshire 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 New Hampshire level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Mortgage Research Center, LLC 331 5.13% $8,952
QUICKEN LOANS, LLC 159 4.01% $12,391
UNITED WHOLESALE MORTGAGE, LLC 137 4.35% $9,263
NAVY FEDERAL CREDIT UNION 102 3.96% $7,335
CMG MORTGAGE, INC. 97 4.69% $10,365
FREEDOM MORTGAGE CORPORATION 73 4.17% $15,064
PENNYMAC LOAN SERVICES, LLC 62 3.57% $10,978
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 60 5.19% $10,110
LOANDEPOT.COM, LLC 60 3.92% $12,640
GUILD MORTGAGE COMPANY 52 4.92% $11,161
USAA Federal Savings Bank 48 4.58% $9,444
NEW DAY FINANCIAL, LLC 47 4.74% $11,336
CROSSCOUNTRY MORTGAGE, LLC 42 5.04% $11,918
Mr. Cooper ( Nationstar Mortgage ) 36 4.51% $10,890
MOVEMENT MORTGAGE, LLC 33 4.79% $8,992
The Federal Savings Bank 28 4.69% $17,165
HARBORONE MORTGAGE, LLC 25 5.17% $7,212
LAKEVIEW LOAN SERVICING, LLC 24 3.39% $6,235
PRIMELENDING, A PLAINSCAPITAL COMPANY 24 5.05% $9,535
GUARANTEED RATE, INC. 21 4.65% $7,319
AMERISAVE MORTGAGE CORPORATION 18 3.60% $10,171
Barrington Bank & Trust Company, N.A. 15 4.83% $7,924
EMM LOANS LLC 15 5.75% $13,443
CALIBER HOME LOANS, INC. 15 4.80% $7,161
ENVOY MORTGAGE, LTD 15 4.40% $15,013
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 14 4.79% $11,637
PENTAGON FEDERAL CREDIT UNION 12 4.00% $4,646
HOMEBRIDGE FINANCIAL SERVICES, INC. 12 5.22% $14,033
GUARANTEED RATE AFFINITY, LLC 12 5.05% $7,249
American Mortgage & Equity Consultants, Inc. 12 5.48% $10,029
BROKER SOLUTIONS, INC. 11 4.50% $14,347
TOTAL MORTGAGE SERVICES, LLC 11 5.23% $14,384
Magnolia Bank 10 3.79% $15,906
NEWREZ LLC 10 3.68% $11,184
EVERETT FINANCIAL, INC. 10 5.40% $5,665
HOME POINT FINANCIAL CORPORATION 10 3.43% $10,991
Service Federal Credit Union 9 3.85% $7,564
Wells Fargo Bank 9 3.51% $4,293
Mortgage Network, Inc. 9 5.08% $8,266
North American Savings Bank, F.S.B. 8 3.95% $9,684
NEW FED MORTGAGE, CORP. 6 4.58% $15,050
RELIANCE FIRST CAPITAL, LLC 6 3.85% $15,282
NORTHPOINT MORTGAGE, INC. 5 5.13% $22,087
MORTGAGE EQUITY PARTNERS LLC 5 5.05% $7,309
Equity Prime Mortgage LLC 5 4.83% $14,490
PLANET HOME LENDING, LLC 5 3.98% $10,020
First Home Bank 5 4.35% $15,315
Texana Bank 5 4.00% $9,175
BNC National Bank 4 4.00% $9,251
CHURCHILL MORTGAGE CORPORATION 4 5.12% $11,135
Citizens Bank 4 4.78% $9,967
EMBRACE HOME LOANS, INC. 4 3.34% $10,002
HOMESIDE FINANCIAL, LLC 4 3.69% $13,809
MUTUAL OF OMAHA MORTGAGE, INC. 4 4.47% $13,763
Northpointe Bank 4 3.28% $7,729
RADIUS FINANCIAL GROUP INC. 4 4.22% $9,558
SALEM FIVE MORTGAGE COMPANY, LLC 3 5.00% $10,021
Sierra Pacific Mortgage Company, Inc. 3 4.92% $12,668
AMERICAN FINANCING CORPORATION 3 4.00% $13,777
HANSCOM 3 4.92% $8,226
The Central Trust Bank 3 3.96% $24,488
Flagstar Bank, FSB 3 4.33% $2,150
BAY EQUITY LLC 3 4.00% $6,839
Carrington Mortgage Services, LLC 3 4.13% $7,325
NBKC BANK 3 2.96% $8,980
Strong Home Mortgage, LLC 2 4.69% $6,311
Peoples Bank 2 4.62% $11,348
TD Bank 2 3.75% $7,808
CARDINAL FINANCIAL 2 5.56% $10,493
Armed Forces Bank 2 5.06% $7,133
Truist 2 4.11% $3,088
Union Bank 2 4.19% $7,557
PLAZA HOME MORTGAGE, INC. 2 5.25% $11,736
AMERICAN FINANCIAL RESOURCES, INC. 2 5.63% $6,799
VILLAGE CAPITAL MORTGAGE 2 4.25% $7,317
LEADERONE FINANCIAL CORPORATION 2 4.50% $11,540
Low VA Rates, LLC 2 6.31% $2,844
NFM, INC. 2 5.69% $11,563
Prime Choice Funding Inc. 2 2.44% $19,110
DRAPER AND KRAMER MORTGAGE CORP. 2 6.44% $7,773
Wyndham Capital Mortgage, Inc. 2 4.88% $10,313
CONTOUR MORTGAGE CORPORATION 2 5.19% $10,506
M&T Bank 2 3.75% $3,682
Semper Home Loans, Inc. 2 3.94% $8,838
NP, Inc. 2 2.25% $8,953
Paramount Residential Mortgage Group, Inc. 2 5.69% $12,209
Century Mortgage Company DBA Century Lending Company 2 3.50% $15,668
MEMBER FIRST MORTGAGE, LLC 1 4.38% $4,509
Leader Bank 1 2.63% $4,040
Lakeview Community Capital, LLC 1 4.75% $3,879
KELLER MORTGAGE, LLC 1 5.75% $12,304
GUARANTY HOME MORTGAGE CORPORATION 1 4.88% $11,204
Mutual Federal Bank 1 5.50% $7,919
Nations Lending Corporation 1 5.75% $13,192
FIRST MORTGAGE COMPANY, INC. 1 5.99% $10,355
First Guaranty Mortgage Corporation 1 2.88% $5,301
First Federal Bank of Kansas City 1 3.25% $16,325
Evolve Bank & Trust 1 3.00% $18,263
Northwest Federal Credit Union 1 3.88% $16,883
NORWICH COMMERCIAL GROUP, INC. 1 6.13% $9,476
Plains Commerce Bank 1 6.25% $7,216
PREMIA MORTGAGE, LLC 1 5.00% $0
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.75% $19,442
AMCAP MORTGAGE, LTD. 1 5.75% $2,607
Prosperity Home Mortgage, LLC 1 6.13% $16,133
ZILLOW HOME LOANS, LLC 1 3.63% $3,034
Bank of New Hampshire 1 4.50% $2,625
Ross Mortgage Company, Inc. 1 3.75% $16,174
RUOFF MORTGAGE COMPANY, INC. 1 5.50% $14,163
Bank of England 1 3.50% $13,773
Shamrock Home Loans, Inc. 1 7.13% $1,770
SIRVA MORTGAGE, INC. 1 3.13% $27,910
SOVEREIGN LENDING GROUP INCORPORATED 1 3.00% $8,806
SUCCESS MORTGAGE PARTNERS, INC. 1 6.13% $4,170
Bangor Savings Bank 1 2.75% $3,427
Axos Bank 1 4.63% $9,507
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.13% $2,770
U.S. Bank 1 4.75% $16,320
Waterstone Mortgage Corporation 1 5.25% $9,497

The top New Hampshire VA lender as defined by loan originations is Mortgage Research Center, LLC, with 331 VA loans originated. Their average total fees are $8,952, which is $3,440 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee New Hampshire VA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION ($4,646), EVERETT FINANCIAL, INC. ($5,665), LAKEVIEW LOAN SERVICING, LLC ($6,235), CALIBER HOME LOANS, INC. ($7,161) and HARBORONE MORTGAGE, LLC ($7,212).

The lowest rate New Hampshire VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC (3.39%), HOME POINT FINANCIAL CORPORATION (3.43%), PENNYMAC LOAN SERVICES, LLC (3.57%), AMERISAVE MORTGAGE CORPORATION (3.60%) and NEWREZ LLC (3.68%).

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.