2026 VA Loan Outlook: How North Carolina and South Carolina Veterans Can Maximize Their Buying Power
As 2025 winds down, Veterans in North Carolina and South Carolina are looking ahead at what 2026 may bring, especially when it comes to interest rates and home affordability. With VA loans already offering some of the lowest rates on the market, even a modest rate drop could significantly boost buying power.
VA LOAN RATES: HOW NC & SC VETERANS CAN BENEFIT
VA loans consistently offer some of the most competitive interest rates available. If rates decrease in early 2026:
● Monthly payments drop further
● Buying power increases
● Veterans can afford more home without stretching their budget
Even a 0.5%–1% rate change can unlock thousands of dollars in affordability.
NO PMI = MORE HOMES FOR THE SAME PAYMENT
Unlike conventional loans, VA loans don’t require monthly private mortgage insurance (PMI). Combined with potential rate drops, this benefit allows Veterans to keep more income in their pocket, making qualification and long-term affordability much easier.
NORTH CAROLINA AND SOUTH CAROLINA ARE KEY MARKETS FOR VETERANS
North Carolina and South Carolina remain home to some of the country’s strongest military markets. Some of the markets include:
North Carolina Hotspots
● Fayetteville / Fort Liberty
● Jacksonville / Camp Lejeune
● Raleigh suburbs
● Charlotte metro outskirts
South Carolina Hotspots
● Columbia
● Charleston
● Greenville / Spartanburg
● Beaufort / Parris Island
Each of these markets is predicted to see strong demand and stable appreciation heading into 2026.
END-OF-YEAR TIMING IS IDEAL FOR VA LOANS
Holiday spending and credit card balances can create financial pressure, but VA refinance programs offer powerful relief. VA refinance programs can help:
● Consolidate high-interest credit card debt
● Improve monthly cash flow
● Pay off auto loans or personal loans
● Start 2026 with clean financial footing
Some Veterans are saving $1,000+ per month by restructuring their debt through a VA refinance.
VETERANS, NOW IS THE TIME TO PREPARE FOR 2026
Here’s what Veterans should do before rates shift:
● Review income and credit
● Gather documents early
● Get pre-approved to lock in buying power
● Explore VA refinance or cash-out options
● Start the 2026 game plan before spring competition hits
Whether you’re buying, refinancing, or consolidating debt, Novus Home Mortgage helps Veterans across NC & SC navigate VA loans confidently. Let’s build your 2026 plan together.