New Hampshire VA Loan Rates, Closing Costs & Stats

New Hampshire

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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.

    New Hampshire VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in New Hampshire averaged 6.09% for the week of 2023-05-26, compared to the national average (all VA variants) of 6.408% for the same period.

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

    The average rate for the prior week (2023-05-19) was 5.91% and one month ago for the week of 2023-04-21, the average rate was 6.03%.

    The average rate one year ago was 4.8%.

    For refis of the same type during the week of 2023-05-26, the average rate was 4.9%.

    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.