We are working with a couple looking for property that will allow the Veteran to commute to Ft Bragg (in Fayetteville, NC) and the spouse to work in Apex, NC (Wake County).
Since we’ve been making mortgage loans for many years in the Triangle, this is not the first couple we’ve met who decide to purchase a home in Harnett County or the Southern Most areas of Johnston or Wake County! It’s a “hot spot” for Veterans – and the homes are VERY affordable!
Lot prices in this area are also lower than in more populated sections of Raleigh, making new homes, custom built in this area very attractive right now!
The Veteran’s Administration does not make VA loans, just like HUD does not issue FHA loans. The VA insures these loans.
VA Loan Basics: What You Need to Know Ft Bragg
VA loans are a fantastic option for qualifying Veterans — and they come with major perks like no down payment and no monthly mortgage insurance. Here are a few key things to know:
✅ You need to be a qualifying Veteran or active-duty service member
To use your VA home loan benefit, you’ll need a Certificate of Eligibility (COE). If you’re buying with a spouse, only one of you needs to be eligible (unless you’re co-borrowing with someone other than your spouse — then they must also be a Veteran).
✅ Credit Score Requirements
While the VA doesn’t set a specific minimum credit score, most lenders look for at least a 600 credit score for those buying near Ft Bragg. That said, we’ve seen exceptions with strong compensating factors, especially if you have clean credit for the past 12 months.
✅ Income and Employment Must Be Verified to Purchase a Home Near Ft Bragg
VA loans require full income documentation — there are no “stated income” options. We’ll help gather all the needed documents to make the process simple to buy near Ft Bragg.
✅ Help With Closing Costs
Sellers are allowed to pay closing costs with a VA home loan — and you can also use gift funds. This can make your move into a new home even more affordable.
Let’s Talk About Your Plans!
We love helping military families find the right place to live near Ft Bragg— especially when you’re trying to balance two commutes and stay within budget. If you’re thinking about buying a home between Fayetteville and the Triangle, let’s talk about how a VA loan can work for you.
📞 Call Steve and Eleanor Thorne today or shoot us a message 919 649 5058. We’re here to make the process easier and get you into a home you’ll love near Ft Bragg.
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