With the average listing price of a home in North Carolina landing at $453,807, the VA loan’s 100% $0-money-down benefit is a considerable advantage for North Carolina homebuyers.

How to get a VA Loan in North Carolina

VA loans are made by approved mortgage companies such as Carolina Mortgage Authority a veteran owned corporation and guaranteed by the Department of Veterans Affairs. Because make the loans and not the VA, you will need to contact Dale Joslin at Carolina Mortgage Authority to purchase or refinance.

For example, if you're purchasing a home in NC, you'll need to contact mortgageauthority.com.

VA borrowers in North Carolina should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.

VA borrowers in North Carolina with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.

However, veterans without their full VA loan entitlement are still bound to North Carolina’s VA loan limits. As of January 1, 2023, VA loan limits for all counties in North Carolina are $726,200.