Best VA Lenders in North Carolina 2026: Top 8 Ranked
James Patterson
North Carolina VA Loan Specialist | 18+ Years Experience
January 23, 2026
Looking for the best VA lenders in North Carolina? NC has 150,000+ veterans and 2,200+ VA-approved lenders. These 8 consistently deliver the best rates, fastest approvals, and NC military expertise.
5.85%
Average VA Rate
0%
Down Payment
$766K
NC Loan Limit
150K+
NC Veterans
🏆 Top 8 VA Lenders North Carolina 2026
Veterans United - Best VA Lender North Carolina
8,400+ NC VA loans
Why #1:
- 🏆 #1 VA lender in America (40% market share)
- 💰 Lowest VA rates: 5.75%-5.95% APR
- ⚡ Close in 27 days average
- 🎖️ Veteran-owned company
- 📍 Strong at Fort Bragg, Camp Lejeune, Seymour Johnson
Best For:
NC veterans who want the #1 VA lender + military expertise
📊 North Carolina VA Loan Markets 2026
| Market | Median Home Price | VA Loan Limit | Military Bases |
|---|---|---|---|
| Charlotte | $385,000 | $766,550 | - |
| Fayetteville | $235,000 | $766,550 | Fort Bragg (82nd Airborne) |
| Raleigh | $420,000 | $766,550 | - |
| Jacksonville | $220,000 | $766,550 | Camp Lejeune (Marines) |
🎖️ NC Military Bases & VA Loan Activity
Top NC Military Installations
Fort Bragg (Fayetteville)
50,000+ active duty | 82nd Airborne Division
Camp Lejeune (Jacksonville)
35,000+ Marines | II Marine Expeditionary Force
Seymour Johnson AFB (Goldsboro)
4,500+ airmen | 4th Fighter Wing
VA Loan Benefits NC
0% Down Payment
Buy $385K Charlotte home with $0 down
No PMI
Save $240/month vs conventional
Lower Rates
0.25%-0.50% below conventional
❓ FAQ: VA Loans North Carolina 2026
What is the VA loan limit in North Carolina?
North Carolina VA Loan Limit (2026):
- All NC counties: $766,550
With full VA entitlement, you can buy up to $766,550 with 0% down in any NC county.
Can I use a VA loan near Fort Bragg or Camp Lejeune?
YES! Fort Bragg (Fayetteville) and Camp Lejeune (Jacksonville) are the #1 and #2 VA loan markets in NC.
Popular areas:
- Fort Bragg: Fayetteville, Hope Mills, Spring Lake
- Camp Lejeune: Jacksonville, Sneads Ferry, Swansboro
How much does a VA loan save in North Carolina?
Example: $385,000 home in Charlotte
VA Loan:
- Down payment: $0
- Monthly payment: $2,380 (P&I + funding fee)
- No PMI
Conventional Loan:
- Down payment: $19,250 (5%)
- Monthly payment: $2,620 (P&I + PMI $240)
Total VA Savings: $62,000+ over 30 years