Fort Bragg · Camp Lejeune · Cherry Point · Seymour Johnson
Yes. You can use a VA loan anywhere in North Carolina, from Fayetteville to Jacksonville to Goldsboro. Military retirees with 20 or more years, or a medical retirement, pay no state income tax on that retirement pay. Veterans rated 100% permanent and total don't pay property tax on the first $45,000 of their home's value. We lend in North Carolina and help families buy near every base in the state.
Good to know
Since 2021, retirees with at least 20 years of service, or a medical retirement, can deduct their military retirement pay from state income tax. Wages are still taxed, and VA disability pay isn't.
If you're rated 100% permanent and total, the first $45,000 of your home's value isn't taxed. Apply with your county tax office. Lawmakers have proposed raising this amount, but $45,000 is the current rule.
Near Camp Lejeune and Cherry Point, flood zones and wind coverage can change your payment. We price insurance before you make an offer.
Tax rules shown are general and current as of October 2026. Confirm the details with your county or the state before you rely on them.
PCSing to North Carolina?
Wherever your orders say, we lend there. Here's where families usually look.
North Carolina questions
Not if you served at least 20 years or were medically retired. Those retirees can deduct their military retirement pay from state income tax. Some who were vested before August 12, 1989 also qualify. VA disability pay isn't taxed.
If you're rated 100% permanent and total, the first $45,000 of your home's value is excluded from property tax. A surviving spouse who hasn't remarried may also qualify. Apply with your county tax office.
Yes. The towns around post sit in several different counties, and each sets its own tax rate. We pull the real figure for every home you look at.
Get started
One person on our team will confirm you qualify, show you what you can afford and walk you through every step. No cost, no pressure.