Home loans for veterans and homebuyers in North and South Carolina
What would you like to do?
Monthly principal and interest
$2,319
- Total loan amount
- $357,525
- VA funding fee
- $7,525 (2.15%)
- Property tax and insurance
- Estimated total monthly payment
The funding fee is added to your loan by default, so it isn’t due at closing.
Calculate my VA payment in fullExample only. Not a quote, rate offer, or loan approval. Your rate and payment depend on your credit, the property, and lender approval.
Funding fee percentages from the VA funding fee chart effective April 7, 2023.
Loan programs
VA loans
$0 down for eligible veterans and no monthly mortgage insurance.
Conventional loans
Flexible down payments for buyers with solid credit.
FHA loans
A government-insured option with a lower down payment.
USDA loans
A $0-down option for eligible homes in rural areas.
Refinance
Lower your payment or use your home’s equity.
$0 down for eligible veterans
If you served and have a Certificate of Eligibility, you can buy a home in the Carolinas with no down payment and no monthly mortgage insurance.
33,429
VA loans in North Carolina, $11.57 billion
18,061
VA loans in South Carolina, $6.39 billion
Source: 2025 VA Lender Volume Report table published by Veterans United, data updated October 8, 2025. Includes purchases and refinances.
How it works
Step 1
Check your eligibility
Answer four quick questions. It doesn’t run your credit.
Step 2
Get pre-approved
A loan officer reviews your income, assets, and credit, so you know your price range.
Step 3
Close on your home
Your loan officer guides the appraisal and paperwork through closing.
Sahaad Washington
NMLS #1446971 · Licensed in North Carolina and South Carolina
Sahaad Washington is VP, Market Growth at Rate, helping homebuyers and homeowners throughout the Charlotte area navigate the mortgage process with confidence. He works with first-time buyers, relocating families, and existing homeowners to explore financing options, including conventional, FHA, VA, USDA, and refinancing solutions. His approach emphasizes personalized guidance, clear communication, and making the path to homeownership easier to understand.
Where we help
We serve all of North and South Carolina, including these military communities. North Carolina · South Carolina
- Fayetteville — Fort Bragg (Fort Liberty)
Hope Mills, Spring Lake, Raeford, Cameron
- Jacksonville — Camp Lejeune
Sneads Ferry, Holly Ridge, Richlands
- Columbia — Fort Jackson
Blythewood, Lexington, Sumter corridor
- Charleston — Joint Base Charleston
Summerville, Goose Creek, Mount Pleasant · Guide coming soon
- Sumter — Shaw AFB
Dalzell, central SC · Guide coming soon
- Beaufort — Parris Island and MCAS Beaufort
Port Royal, Bluffton edge · Guide coming soon
- Havelock — MCAS Cherry Point
New Bern, Newport · Guide coming soon
- Charlotte — Charlotte metro veterans
Largest NC metro VA market · Guide coming soon
- Raleigh–Durham — Triangle veterans
Research Triangle veteran community · Guide coming soon
- Myrtle Beach — Grand Strand veterans
Conway, Surfside, the Grand Strand · Guide coming soon
Frequently asked questions
Who does Carolina Mortgage Brokers help?
We help veterans, service members, and homebuyers in North Carolina and South Carolina with purchase and refinance loans.
Can veterans really buy a home with $0 down?
Yes, in most cases. Eligible veterans and service members with VA entitlement can buy a primary home with no down payment and no monthly mortgage insurance, though closing costs and a VA funding fee may apply.
What is the VA funding fee?
It's a one-time VA charge that's usually financed into the loan. On a first-use purchase with less than 5% down it's 2.15%, and veterans receiving VA disability compensation are exempt.
Does checking my eligibility affect my credit?
No. Our 60-second eligibility check doesn’t run your credit, and it isn’t an application or an approval.
Do you work in both North and South Carolina?
Yes. Rules like property tax relief for disabled veterans differ between the two states, and our guides cover both.
Ready to see your numbers?
Calculate your VA payment, or talk with a licensed loan officer about buying or refinancing.