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 6.38% for the week of 2024-12-13, compared to the national average (all VA variants) of 6.077% for the same period.

    New Hampshire's average VA mortgage closing costs are $6,490.

    The average rate for the prior week (2024-12-06) was 6.31% and one month ago for the week of 2024-11-08, the average rate was 6.41%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.58%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 203 6.72% $9,158
    CMG MORTGAGE, INC. 102 6.54% $11,183
    QUICKEN LOANS, LLC 69 6.03% $16,050
    UNITED WHOLESALE MORTGAGE, LLC 64 6.49% $9,140
    NAVY FEDERAL CREDIT UNION 54 5.94% $8,441
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 41 6.65% $8,157
    GUILD MORTGAGE COMPANY 40 6.52% $9,956
    CROSSCOUNTRY MORTGAGE, LLC 39 6.51% $13,010
    LOANDEPOT.COM, LLC 33 6.19% $14,569
    FREEDOM MORTGAGE CORPORATION 33 6.48% $20,847
    PENNYMAC LOAN SERVICES, LLC 31 5.54% $10,280
    USAA Federal Savings Bank 30 6.26% $9,326
    PRIMELENDING, A PLAINSCAPITAL COMPANY 29 6.26% $8,368
    NEW DAY FINANCIAL, LLC 24 7.34% $13,247
    MOVEMENT MORTGAGE, LLC 23 6.48% $6,477
    The Federal Savings Bank 20 6.26% $19,614
    HARBORONE MORTGAGE, LLC 17 6.16% $9,965
    GUARANTEED RATE, INC. 16 6.22% $5,408
    Mr. Cooper ( Nationstar Mortgage ) 16 6.09% $14,070
    EMM LOANS LLC 15 6.37% $9,530
    PENTAGON FEDERAL CREDIT UNION 14 5.68% $11,668
    NBKC BANK 10 5.98% $7,375
    ENVOY MORTGAGE, LTD 9 6.85% $10,385
    American Mortgage & Equity Consultants, Inc. 9 6.69% $18,010
    RELIANCE FIRST CAPITAL, LLC 8 6.03% $11,762
    NORTHPOINT MORTGAGE, INC. 8 6.73% $10,229
    Barrington Bank & Trust Company, N.A. 8 6.13% $17,612
    LAKEVIEW LOAN SERVICING, LLC 8 5.97% $13,711
    TOTAL MORTGAGE SERVICES, LLC 8 6.73% $12,728
    Citizens Bank 7 6.09% $8,352
    Wells Fargo Bank 7 6.00% $8,996
    NEWREZ LLC 7 6.59% $8,975
    AMERISAVE MORTGAGE CORPORATION 7 5.73% $17,244
    BAY EQUITY LLC 6 6.90% $6,385
    Waterstone Mortgage Corporation 6 6.56% $12,213
    BROKER SOLUTIONS, INC. 6 6.58% $12,136
    MORTGAGE EQUITY PARTNERS LLC 5 6.58% $12,101
    ACADEMY MORTGAGE CORPORATION 4 6.87% $6,238
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 4 6.28% $12,642
    BNC National Bank 4 5.44% $10,875
    EMBRACE HOME LOANS, INC. 4 5.84% $14,278
    Keystone Funding, Inc. 3 6.00% $6,126
    Magnolia Bank 3 6.21% $19,397
    Flagstar Bank, FSB 3 6.75% $24,900
    NORWICH COMMERCIAL GROUP, INC. 3 6.88% $10,696
    CARDINAL FINANCIAL 3 5.79% $15,645
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.38% $20,076
    EVERETT FINANCIAL, INC. 3 6.79% $10,996
    VILLAGE CAPITAL MORTGAGE 3 5.54% $8,439
    First Federal Bank 3 6.08% $7,334
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.54% $15,376
    Paramount Residential Mortgage Group, Inc. 2 6.75% $6,622
    DRAPER AND KRAMER MORTGAGE CORP. 2 7.18% $10,793
    Plains Commerce Bank 2 6.63% $12,960
    Bank of New Hampshire 2 6.56% $10,144
    RADIUS FINANCIAL GROUP INC. 2 6.31% $17,960
    FIRST MORTGAGE COMPANY, INC. 2 6.43% $19,606
    NEW FED MORTGAGE, CORP. 2 6.44% $18,157
    SUN WEST MORTGAGE COMPANY, INC. 2 5.94% $17,524
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.50% $9,366
    AMERICAN FINANCING CORPORATION 2 6.75% $18,273
    LEADERONE FINANCIAL CORPORATION 2 6.31% $12,309
    Ross Mortgage Company, Inc. 1 7.25% $10,501
    SALEM FIVE MORTGAGE COMPANY, LLC 1 7.00% $17,724
    Service Federal Credit Union 1 6.13% $3,134
    SUMMIT FUNDING, INC. 1 6.25% $14,868
    TD Bank 1 6.63% $2,916
    Armed Forces Bank 1 5.75% $21,333
    Union Bank 1 6.38% $6,284
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.00% $13,020
    U.S. Bank 1 4.99% $70
    AMERICAN FINANCIAL NETWORK, INC. 1 5.75% $12,380
    HOMESIDE FINANCIAL, LLC 1 5.75% $6,235
    AMCAP MORTGAGE, LTD. 1 6.75% $17,453
    HOMESTEAD FUNDING CORP. 1 6.75% $2,832
    Ixonia Bank 1 7.25% $2,310
    JPMorgan Chase Bank 1 6.63% $2,466
    Lakeview Community Capital, LLC 1 5.75% $21,685
    Leader Bank 1 6.99% $17,987
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.88% $10,975
    HANSCOM 1 5.75% $3,200
    GUARANTEED RATE AFFINITY, LLC 1 6.08% $0
    GENEVA FINANCIAL, LLC 1 6.75% $8,867
    First Savings Bank 1 5.25% $4,245
    M&T Bank 1 7.13% $3,632
    Nations Lending Corporation 1 7.25% $12,510
    NATIONS RELIABLE LENDING, LLC 1 7.75% $6,106
    Evolve Bank & Trust 1 6.50% $4,269
    North American Savings Bank, F.S.B. 1 6.38% $9,421
    Equity Prime Mortgage LLC 1 5.88% $19,447
    OCMBC, INC. 1 6.75% $8,001
    ON Q FINANCIAL, INC. 1 6.63% $12,622
    CHURCHILL MORTGAGE CORPORATION 1 7.25% $6,733
    Bank of England 1 7.13% $475

    The top New Hampshire VA lender as defined by loan originations is Mortgage Research Center, LLC, with 203 VA loans originated. Their average total fees are $9,158, which is $2,026 lower than the next largest lender, CMG MORTGAGE, INC..

    The lowest fee New Hampshire VA lenders (with over 10 loans originated) are GUARANTEED RATE, INC. ($5,408), MOVEMENT MORTGAGE, LLC ($6,477), NBKC BANK ($7,375), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($8,157) and PRIMELENDING, A PLAINSCAPITAL COMPANY ($8,368).

    The lowest rate New Hampshire VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.54%), PENTAGON FEDERAL CREDIT UNION (5.68%), NAVY FEDERAL CREDIT UNION (5.94%), NBKC BANK (5.98%) and QUICKEN LOANS, LLC (6.03%).

    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.