VA Home Loans in North Carolina — Guidance from a Fellow Veteran

Most active-duty service members, veterans, National Guard, and Reservists who meet minimum service requirements qualify for a VA loan. Surviving spouses of service members may also be eligible. Anthony will walk you through your specific situation and help confirm eligibility before you ever tour a home.

• 90+ days active duty (wartime)
• 181+ days active duty (peacetime)
• 6+ years National Guard/Reserves
• Eligible surviving spouses

Your COE proves to lenders that you qualify for VA financing. You can request it online through the VA eBenefits portal, by mail with Form 26-1880, or — fastest — through your VA-approved lender. We'll connect you with trusted NC lenders who can pull your COE in minutes.

The VA loan is one of the only mortgage programs in the U.S. that allows qualified buyers to purchase with no down payment, no private mortgage insurance (PMI), and competitive rates. The VA backs a portion of the loan, which is why lenders can offer these terms. A one-time VA funding fee applies — and it's waived entirely for veterans with a service-connected disability rating.

Veterans with full VA entitlement have no loan limit — you can borrow as much as a lender will approve based on income and credit. For veterans with partial entitlement, the 2025 conforming limit in most North Carolina counties (including Granville, Durham, Wake, and Franklin) is $806,500.

1. 1

   Confirm eligibility & request COE

   Verify benefit, gather DD-214

2. 2

   Get pre-approved with a VA lender

   Lock rate, set budget

3. 3

   Tour homes with Anthony

   MRP-certified, PCS-friendly

4. 4

   Make an offer

   VA-aware contract language

5. 5

   VA appraisal & inspections

   MPR compliance check

6. 6

   Underwriting & clear to close

   Funding fee financed in

7. 7

   Closing day

   Keys to your new home