VA Home Loans in Randolph County, NC: Complete Guide for 2025
Randolph County, North Carolina, offers a unique blend of rural charm, affordable living, and access to major metro areas. If you’re a veteran, active-duty service member, or eligible surviving spouse, the VA loan is the best mortgage option to buy or build a home in this fast-growing region. This page is your complete, SEO-optimized guide to everything you need to know about VA loans in Randolph County.
🏠 What Is a VA Loan?
A VA loan is a government-backed mortgage designed to help eligible veterans and service members purchase or build a home. The VA guarantees a portion of the loan, which gives lenders more confidence and allows you to benefit from:
- No down payment
- No monthly private mortgage insurance (PMI)
- Competitive fixed interest rates
- Flexible credit and income guidelines
📍 Why Randolph County Is Great for VA Buyers
- Affordability – Below-average home prices compared to urban NC areas.
- Location – Quick access to Greensboro, High Point, and Charlotte.
- Community – Friendly, veteran-supportive towns with space to grow.
- Diverse Housing – From rural land to move-in ready homes and new construction.
Key towns include Asheboro, Randleman, Trinity, Archdale, Liberty, and Ramseur.
🧱 Buying an Existing Home in Randolph County
- Up to 100% financing for eligible buyers
- Seller-paid closing costs allowed
- Use your VA entitlement more than once (in some cases)
- Option to assume an existing VA loan if the seller agrees
Property types allowed:
- Single-family homes
- VA-approved condos or townhomes
- 2–4 unit properties (with occupancy of one unit)
🏗️ Build Your Home with a VA One-Time Close Construction Loan
VA One-Time Close (OTC) loans let you finance the land, construction, and permanent mortgage all in a single closing. It’s a powerful tool for veterans looking to build in Randolph County.
- One closing, one loan, no requalification required after construction
- Interest-only or no payments during construction (depending on lender)
- Use for stick-built, modular, and VA-eligible manufactured homes
- Barndominiums allowed with proper code compliance
Explore our full VA OTC Construction Loan Guide
Eligible land types:
- Vacant lots in residential zones
- Family land (with proper title)
- Land with tear-down structures
🧰 Randolph County VA Loan Requirements
- Credit score: Most lenders require 620+
- Occupancy: Must live in the home as your primary residence
- Income: Sufficient, stable income verified with documents
- Certificate of Eligibility (COE): We help you get this quickly
Use our VA Mortgage Calculator to estimate your monthly payment.
🏛️ Randolph County Permitting for Construction Loans
If you’re building with a VA loan, permits are essential. The Central Permitting Office will guide you through zoning, inspections, septic, and site preparation.
Randolph County Central Permitting Office
204 E Academy St, Asheboro, NC 27203
Planning & Zoning: (336) 318-6555
Building Inspections: (336) 318-6565
Environmental Health: (336) 318-6262
Visit the County Website
Common documents needed:
- Site plans
- Zoning verification
- Septic/well permits
- Structural drawings for modular/barndo homes
🎖️ Randolph County Veterans Services
Address: 158 Worth St, Asheboro, NC 27203
Phone: (336) 318-6906
- COE assistance
- VA disability consultations
- Claim and benefit support
📊 2025 VA Loan Limits in Randolph County
Veterans with full entitlement face no official loan limits. For those with partial entitlement, here are the conforming limits for 2025:
| Property Type | Loan Limit |
|---|---|
| 1 Unit | $766,550 |
| 2 Units | $981,500 |
| 3 Units | $1,186,350 |
| 4 Units | $1,474,400 |
