VA Loans in Alamance County, NC

Alamance County offers small-town charm with growing real estate opportunities. If you’re a veteran or active-duty buyer, the VA loan program makes homeownership more affordable with no down payment, no PMI, and flexible guidelines.

Why Use a VA Loan in Alamance County?

No Down Payment Required
No Monthly PMI
Lower Interest Rates Than Conventional Loans
Flexible Credit and Income Requirements
Finance New Construction or Existing Homes

Cities & Communities We Serve in Alamance County

Burlington – Vibrant city with parks, dining, and job growth
Elon – Small-town atmosphere near Elon University
Graham – Centrally located and full of historic charm
Mebane – Rapidly growing with new development and easy access to I-40
Swepsonville, Green Level, Haw River – Rural and residential areas ideal for building

VA One-Time Close Construction Loans in Alamance County

Veterans interested in building a home can take advantage of a VA One-Time Close (OTC) construction loan. This all-in-one financing tool lets you purchase land, build your home, and convert to a long-term mortgage with just one closing.

One approval, one closing
No requalification after construction
No payments during construction (for most lenders)
Modular, stick-built, and double-wide homes allowed

See the full OTC Construction Loan Guide

Alamance County Permitting & Inspections

Planning to build? These are your local contacts:

Alamance County Inspections Department
201 W Elm St, Graham, NC 27253
Building & Zoning: (336) 570-4050
Septic & Environmental Health: (336) 570-6367
www.alamance-nc.com

2025 VA Loan Limits for Alamance County

Veterans with full VA loan entitlement can buy with no loan limit. For others:

Property Type	VA Loan Limit
1 Unit	$766,550
2 Units	$981,500
3 Units	$1,186,350
4 Units	$1,474,400

Alamance County Veterans Services

Address: 201 W Elm St, Graham, NC 27253
Phone: (336) 570-6317

VA loan eligibility and COE assistance
Claims and disability compensation
Local veteran benefit resources

Helpful VA Loan Resources

Ready to Get Started?

We’re here to help you navigate the VA loan process from start to finish. Whether you’re building in Mebane or buying in Burlington, we’ll make sure you get the most out of your benefit.

Start Your VA Loan Application