VA Loans in Guilford County, NC
Guilford County, North Carolina, offers a mix of thriving urban centers, peaceful suburbs, and rural home sites—perfect for veterans and service members using the VA home loan. Whether you’re buying or building, this benefit helps you get started with no down payment and no PMI.
Why Use a VA Loan in Guilford County?
- $0 Down Payment – Move in with no upfront cash required
- No PMI – Avoid monthly private mortgage insurance
- Competitive Interest Rates – Lower than conventional loans
- Flexible Credit Guidelines – Great for buyers with limited or recovering credit
- Build or Buy Options – Purchase an existing home or finance new construction
Cities & Communities We Serve in Guilford County
- Greensboro – A thriving city with cultural, dining, and employment opportunities
- High Point – Known for furniture, affordability, and strong communities
- Jamestown – Historic charm meets suburban comfort
- Gibsonville, Pleasant Garden, Whitsett – Ideal for rural builds or peaceful neighborhoods
VA Construction Loans in Guilford County
Looking to build? The VA One-Time Close (OTC) Construction Loan makes it simple. Finance your land, construction, and mortgage in a single loan.
- One closing, one approval
- No requalification needed post-construction
- No payments during construction (in most cases)
- Use for stick-built, modular, and double-wide homes
- Land equity can often count toward down payment requirements
Local Permitting Contacts
If you plan to build, you’ll need approval from the local offices:
Guilford County Planning & Development
400 W Market St, Greensboro, NC 27401
Permits & Zoning: (336) 641-3334
Inspections: (336) 641-3707
www.guilfordcountync.gov
Permits typically include:
- Zoning Certificate
- Building Permit
- Septic or Well Permits (where applicable)
2025 VA Loan Limits for Guilford County
Veterans with full entitlement have no loan limit. For those using partial entitlement:
| Property Type | Loan Limit |
|---|---|
| 1 Unit | $766,550 |
| 2 Units | $981,500 |
| 3 Units | $1,186,350 |
| 4 Units | $1,474,400 |
Guilford County Veterans Services
Location: 1203 Maple St, Greensboro, NC 27405
Phone: (336) 641-2957
- Certificate of Eligibility (COE) assistance
- Disability claim support
- Survivor benefit guidance
